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$21,225
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$21,886
−HK$670/mo
Today · 4.125%
HK$22,556
baseline
▲ 0.50% · 4.625%
HK$23,929
+HK$1,373/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$45,112/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$300,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,613
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$24,246
−HK$643/mo
Today · 4.125%
HK$24,889
baseline
▲ 0.50% · 4.625%
HK$26,201
+HK$1,312/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$49,778/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$300,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,470
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$26,263
−HK$805/mo
Today · 4.125%
HK$27,068
baseline
▲ 0.50% · 4.625%
HK$28,715
+HK$1,647/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$54,136/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$300,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,336
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$29,095
−HK$771/mo
Today · 4.125%
HK$29,866
baseline
▲ 0.50% · 4.625%
HK$31,441
+HK$1,575/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$59,732/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$300,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,715
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$30,640
−HK$939/mo
Today · 4.125%
HK$31,579
baseline
▲ 0.50% · 4.625%
HK$33,500
+HK$1,921/mo
Deposit HK$2.79M · loan HK$6.52M · min. income ≈ HK$63,158/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$300,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,058
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$33,945
−HK$899/mo
Today · 4.125%
HK$34,844
baseline
▲ 0.50% · 4.625%
HK$36,681
+HK$1,837/mo
Deposit HK$2.79M · loan HK$6.52M · min. income ≈ HK$69,688/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$300,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,206
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$39,394
−HK$1,207/mo
Today · 4.125%
HK$40,601
baseline
▲ 0.50% · 4.625%
HK$43,072
+HK$2,471/mo
Deposit HK$931K · loan HK$8.38M · min. income ≈ HK$81,202/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$300,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,503
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$43,643
−HK$1,157/mo
Today · 4.125%
HK$44,800
baseline
▲ 0.50% · 4.625%
HK$47,161
+HK$2,361/mo
Deposit HK$931K · loan HK$8.38M · min. income ≈ HK$89,600/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$300,831 · 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).