The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$21,188
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$21,847
−HK$669/mo
Today · 4.125%
HK$22,516
baseline
▲ 0.50% · 4.625%
HK$23,886
+HK$1,370/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$45,032/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$299,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,571
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$24,203
−HK$641/mo
Today · 4.125%
HK$24,844
baseline
▲ 0.50% · 4.625%
HK$26,154
+HK$1,310/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$49,688/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$299,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,425
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$26,216
−HK$804/mo
Today · 4.125%
HK$27,020
baseline
▲ 0.50% · 4.625%
HK$28,664
+HK$1,644/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$54,040/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$299,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,285
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$29,044
−HK$769/mo
Today · 4.125%
HK$29,813
baseline
▲ 0.50% · 4.625%
HK$31,385
+HK$1,572/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$59,626/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$299,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,663
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$30,585
−HK$938/mo
Today · 4.125%
HK$31,523
baseline
▲ 0.50% · 4.625%
HK$33,441
+HK$1,918/mo
Deposit HK$2.79M · loan HK$6.50M · min. income ≈ HK$63,046/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$299,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,999
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$33,884
−HK$898/mo
Today · 4.125%
HK$34,782
baseline
▲ 0.50% · 4.625%
HK$36,616
+HK$1,834/mo
Deposit HK$2.79M · loan HK$6.50M · min. income ≈ HK$69,564/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$299,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,138
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$39,324
−HK$1,205/mo
Today · 4.125%
HK$40,529
baseline
▲ 0.50% · 4.625%
HK$42,995
+HK$2,466/mo
Deposit HK$929K · loan HK$8.36M · min. income ≈ HK$81,058/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$299,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,428
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$43,566
−HK$1,154/mo
Today · 4.125%
HK$44,720
baseline
▲ 0.50% · 4.625%
HK$47,077
+HK$2,357/mo
Deposit HK$929K · loan HK$8.36M · min. income ≈ HK$89,440/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$299,177 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).