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$21,224
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$21,885
−HK$670/mo
Today · 4.125%
HK$22,555
baseline
▲ 0.50% · 4.625%
HK$23,928
+HK$1,373/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$45,110/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$300,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,612
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$24,245
−HK$643/mo
Today · 4.125%
HK$24,888
baseline
▲ 0.50% · 4.625%
HK$26,199
+HK$1,311/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$49,776/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$300,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,469
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$26,261
−HK$805/mo
Today · 4.125%
HK$27,066
baseline
▲ 0.50% · 4.625%
HK$28,713
+HK$1,647/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$54,132/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$300,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,334
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$29,094
−HK$771/mo
Today · 4.125%
HK$29,865
baseline
▲ 0.50% · 4.625%
HK$31,439
+HK$1,574/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$59,730/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$300,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,714
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$30,638
−HK$939/mo
Today · 4.125%
HK$31,577
baseline
▲ 0.50% · 4.625%
HK$33,499
+HK$1,922/mo
Deposit HK$2.79M · loan HK$6.52M · min. income ≈ HK$63,154/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$300,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,057
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$33,943
−HK$900/mo
Today · 4.125%
HK$34,843
baseline
▲ 0.50% · 4.625%
HK$36,679
+HK$1,836/mo
Deposit HK$2.79M · loan HK$6.52M · min. income ≈ HK$69,686/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$300,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,204
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$39,392
−HK$1,208/mo
Today · 4.125%
HK$40,600
baseline
▲ 0.50% · 4.625%
HK$43,070
+HK$2,470/mo
Deposit HK$931K · loan HK$8.38M · min. income ≈ HK$81,200/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$300,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,501
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$43,641
−HK$1,157/mo
Today · 4.125%
HK$44,798
baseline
▲ 0.50% · 4.625%
HK$47,159
+HK$2,361/mo
Deposit HK$931K · loan HK$8.38M · min. income ≈ HK$89,596/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$300,787 · 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).