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$21,186
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$21,845
−HK$670/mo
Today · 4.125%
HK$22,515
baseline
▲ 0.50% · 4.625%
HK$23,885
+HK$1,370/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$45,030/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$299,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,569
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$24,201
−HK$642/mo
Today · 4.125%
HK$24,843
baseline
▲ 0.50% · 4.625%
HK$26,152
+HK$1,309/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$49,686/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$299,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,423
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$26,214
−HK$804/mo
Today · 4.125%
HK$27,018
baseline
▲ 0.50% · 4.625%
HK$28,661
+HK$1,643/mo
Deposit HK$3.72M · loan HK$5.57M · min. income ≈ HK$54,036/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$299,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,283
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$29,042
−HK$769/mo
Today · 4.125%
HK$29,811
baseline
▲ 0.50% · 4.625%
HK$31,383
+HK$1,572/mo
Deposit HK$3.72M · loan HK$5.57M · min. income ≈ HK$59,622/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$299,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,660
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$30,583
−HK$937/mo
Today · 4.125%
HK$31,520
baseline
▲ 0.50% · 4.625%
HK$33,438
+HK$1,918/mo
Deposit HK$2.79M · loan HK$6.50M · min. income ≈ HK$63,040/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$299,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,997
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$33,882
−HK$898/mo
Today · 4.125%
HK$34,780
baseline
▲ 0.50% · 4.625%
HK$36,613
+HK$1,833/mo
Deposit HK$2.79M · loan HK$6.50M · min. income ≈ HK$69,560/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$299,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,135
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$39,321
−HK$1,205/mo
Today · 4.125%
HK$40,526
baseline
▲ 0.50% · 4.625%
HK$42,992
+HK$2,466/mo
Deposit HK$929K · loan HK$8.36M · min. income ≈ HK$81,052/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$299,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,425
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$43,562
−HK$1,155/mo
Today · 4.125%
HK$44,717
baseline
▲ 0.50% · 4.625%
HK$47,074
+HK$2,357/mo
Deposit HK$929K · loan HK$8.36M · min. income ≈ HK$89,434/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$299,108 · 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).