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$21,206
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$21,866
−HK$670/mo
Today · 4.125%
HK$22,536
baseline
▲ 0.50% · 4.625%
HK$23,907
+HK$1,371/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$45,072/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$299,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,591
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$24,224
−HK$642/mo
Today · 4.125%
HK$24,866
baseline
▲ 0.50% · 4.625%
HK$26,177
+HK$1,311/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$49,732/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$299,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,447
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$26,239
−HK$804/mo
Today · 4.125%
HK$27,043
baseline
▲ 0.50% · 4.625%
HK$28,688
+HK$1,645/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$54,086/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$299,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,310
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$29,069
−HK$770/mo
Today · 4.125%
HK$29,839
baseline
▲ 0.50% · 4.625%
HK$31,412
+HK$1,573/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$59,678/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$299,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,688
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$30,612
−HK$938/mo
Today · 4.125%
HK$31,550
baseline
▲ 0.50% · 4.625%
HK$33,470
+HK$1,920/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$63,100/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$299,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,028
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$33,914
−HK$898/mo
Today · 4.125%
HK$34,812
baseline
▲ 0.50% · 4.625%
HK$36,647
+HK$1,835/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$69,624/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$299,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,171
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$39,358
−HK$1,206/mo
Today · 4.125%
HK$40,564
baseline
▲ 0.50% · 4.625%
HK$43,032
+HK$2,468/mo
Deposit HK$930K · loan HK$8.37M · min. income ≈ HK$81,128/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$299,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,464
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$43,603
−HK$1,156/mo
Today · 4.125%
HK$44,759
baseline
▲ 0.50% · 4.625%
HK$47,118
+HK$2,359/mo
Deposit HK$930K · loan HK$8.37M · min. income ≈ HK$89,518/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$299,979 · 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).