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$21,205
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$21,865
−HK$670/mo
Today · 4.125%
HK$22,535
baseline
▲ 0.50% · 4.625%
HK$23,906
+HK$1,371/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$45,070/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$299,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,590
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$24,223
−HK$642/mo
Today · 4.125%
HK$24,865
baseline
▲ 0.50% · 4.625%
HK$26,175
+HK$1,310/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$49,730/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$299,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,446
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$26,237
−HK$805/mo
Today · 4.125%
HK$27,042
baseline
▲ 0.50% · 4.625%
HK$28,687
+HK$1,645/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$54,084/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$299,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,308
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$29,068
−HK$770/mo
Today · 4.125%
HK$29,838
baseline
▲ 0.50% · 4.625%
HK$31,411
+HK$1,573/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$59,676/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$299,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,687
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$30,610
−HK$939/mo
Today · 4.125%
HK$31,549
baseline
▲ 0.50% · 4.625%
HK$33,468
+HK$1,919/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$63,098/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$299,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,026
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$33,912
−HK$899/mo
Today · 4.125%
HK$34,811
baseline
▲ 0.50% · 4.625%
HK$36,646
+HK$1,835/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$69,622/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$299,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,169
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$39,356
−HK$1,206/mo
Today · 4.125%
HK$40,562
baseline
▲ 0.50% · 4.625%
HK$43,031
+HK$2,469/mo
Deposit HK$930K · loan HK$8.37M · min. income ≈ HK$81,124/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$299,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,463
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$43,601
−HK$1,156/mo
Today · 4.125%
HK$44,757
baseline
▲ 0.50% · 4.625%
HK$47,116
+HK$2,359/mo
Deposit HK$930K · loan HK$8.37M · min. income ≈ HK$89,514/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$299,937 · 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).