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$21,228
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$21,888
−HK$671/mo
Today · 4.125%
HK$22,559
baseline
▲ 0.50% · 4.625%
HK$23,931
+HK$1,372/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$45,118/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$300,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,616
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$24,249
−HK$642/mo
Today · 4.125%
HK$24,891
baseline
▲ 0.50% · 4.625%
HK$26,203
+HK$1,312/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$49,782/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$300,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,473
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$26,266
−HK$805/mo
Today · 4.125%
HK$27,071
baseline
▲ 0.50% · 4.625%
HK$28,718
+HK$1,647/mo
Deposit HK$3.72M · loan HK$5.59M · min. income ≈ HK$54,142/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$300,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,339
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$29,099
−HK$771/mo
Today · 4.125%
HK$29,870
baseline
▲ 0.50% · 4.625%
HK$31,444
+HK$1,574/mo
Deposit HK$3.72M · loan HK$5.59M · min. income ≈ HK$59,740/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$300,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,719
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$30,643
−HK$939/mo
Today · 4.125%
HK$31,582
baseline
▲ 0.50% · 4.625%
HK$33,504
+HK$1,922/mo
Deposit HK$2.79M · loan HK$6.52M · min. income ≈ HK$63,164/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$300,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,062
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$33,948
−HK$900/mo
Today · 4.125%
HK$34,848
baseline
▲ 0.50% · 4.625%
HK$36,685
+HK$1,837/mo
Deposit HK$2.79M · loan HK$6.52M · min. income ≈ HK$69,696/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$300,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,210
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$39,398
−HK$1,208/mo
Today · 4.125%
HK$40,606
baseline
▲ 0.50% · 4.625%
HK$43,077
+HK$2,471/mo
Deposit HK$931K · loan HK$8.38M · min. income ≈ HK$81,212/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$300,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,508
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$43,648
−HK$1,157/mo
Today · 4.125%
HK$44,805
baseline
▲ 0.50% · 4.625%
HK$47,166
+HK$2,361/mo
Deposit HK$931K · loan HK$8.38M · min. income ≈ HK$89,610/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$300,933 · 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).