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$21,208
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$21,868
−HK$670/mo
Today · 4.125%
HK$22,538
baseline
▲ 0.50% · 4.625%
HK$23,910
+HK$1,372/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$45,076/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$300,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,594
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$24,227
−HK$642/mo
Today · 4.125%
HK$24,869
baseline
▲ 0.50% · 4.625%
HK$26,180
+HK$1,311/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$49,738/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$300,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,450
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$26,242
−HK$804/mo
Today · 4.125%
HK$27,046
baseline
▲ 0.50% · 4.625%
HK$28,692
+HK$1,646/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$54,092/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$300,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,313
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$29,072
−HK$771/mo
Today · 4.125%
HK$29,843
baseline
▲ 0.50% · 4.625%
HK$31,416
+HK$1,573/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$59,686/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$300,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,692
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$30,615
−HK$939/mo
Today · 4.125%
HK$31,554
baseline
▲ 0.50% · 4.625%
HK$33,474
+HK$1,920/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$63,108/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$300,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,032
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$33,918
−HK$898/mo
Today · 4.125%
HK$34,816
baseline
▲ 0.50% · 4.625%
HK$36,652
+HK$1,836/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$69,632/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$300,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,175
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$39,363
−HK$1,206/mo
Today · 4.125%
HK$40,569
baseline
▲ 0.50% · 4.625%
HK$43,038
+HK$2,469/mo
Deposit HK$930K · loan HK$8.37M · min. income ≈ HK$81,138/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$300,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,469
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$43,608
−HK$1,156/mo
Today · 4.125%
HK$44,764
baseline
▲ 0.50% · 4.625%
HK$47,124
+HK$2,360/mo
Deposit HK$930K · loan HK$8.37M · min. income ≈ HK$89,528/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$300,089 · 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).