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$21,185
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$21,844
−HK$670/mo
Today · 4.125%
HK$22,514
baseline
▲ 0.50% · 4.625%
HK$23,884
+HK$1,370/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$45,028/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$299,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,568
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$24,200
−HK$642/mo
Today · 4.125%
HK$24,842
baseline
▲ 0.50% · 4.625%
HK$26,151
+HK$1,309/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$49,684/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$299,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,422
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$26,213
−HK$804/mo
Today · 4.125%
HK$27,017
baseline
▲ 0.50% · 4.625%
HK$28,660
+HK$1,643/mo
Deposit HK$3.72M · loan HK$5.57M · min. income ≈ HK$54,034/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$299,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,282
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$29,041
−HK$769/mo
Today · 4.125%
HK$29,810
baseline
▲ 0.50% · 4.625%
HK$31,381
+HK$1,571/mo
Deposit HK$3.72M · loan HK$5.57M · min. income ≈ HK$59,620/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$299,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,659
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$30,582
−HK$937/mo
Today · 4.125%
HK$31,519
baseline
▲ 0.50% · 4.625%
HK$33,437
+HK$1,918/mo
Deposit HK$2.79M · loan HK$6.50M · min. income ≈ HK$63,038/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$299,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,996
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$33,881
−HK$897/mo
Today · 4.125%
HK$34,778
baseline
▲ 0.50% · 4.625%
HK$36,612
+HK$1,834/mo
Deposit HK$2.79M · loan HK$6.50M · min. income ≈ HK$69,556/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$299,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,133
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$39,320
−HK$1,205/mo
Today · 4.125%
HK$40,525
baseline
▲ 0.50% · 4.625%
HK$42,991
+HK$2,466/mo
Deposit HK$929K · loan HK$8.36M · min. income ≈ HK$81,050/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$299,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,423
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$43,561
−HK$1,154/mo
Today · 4.125%
HK$44,715
baseline
▲ 0.50% · 4.625%
HK$47,072
+HK$2,357/mo
Deposit HK$929K · loan HK$8.36M · min. income ≈ HK$89,430/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$299,074 · 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).