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$21,221
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$21,881
−HK$671/mo
Today · 4.125%
HK$22,552
baseline
▲ 0.50% · 4.625%
HK$23,924
+HK$1,372/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$45,104/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$300,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,608
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$24,241
−HK$642/mo
Today · 4.125%
HK$24,883
baseline
▲ 0.50% · 4.625%
HK$26,195
+HK$1,312/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$49,766/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$300,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,465
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$26,257
−HK$805/mo
Today · 4.125%
HK$27,062
baseline
▲ 0.50% · 4.625%
HK$28,709
+HK$1,647/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$54,124/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$300,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,330
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$29,089
−HK$771/mo
Today · 4.125%
HK$29,860
baseline
▲ 0.50% · 4.625%
HK$31,434
+HK$1,574/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$59,720/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$300,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,709
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$30,633
−HK$939/mo
Today · 4.125%
HK$31,572
baseline
▲ 0.50% · 4.625%
HK$33,493
+HK$1,921/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$63,144/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$300,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,051
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$33,938
−HK$899/mo
Today · 4.125%
HK$34,837
baseline
▲ 0.50% · 4.625%
HK$36,673
+HK$1,836/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$69,674/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$300,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,198
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$39,386
−HK$1,207/mo
Today · 4.125%
HK$40,593
baseline
▲ 0.50% · 4.625%
HK$43,063
+HK$2,470/mo
Deposit HK$931K · loan HK$8.38M · min. income ≈ HK$81,186/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$300,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,494
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$43,634
−HK$1,156/mo
Today · 4.125%
HK$44,790
baseline
▲ 0.50% · 4.625%
HK$47,151
+HK$2,361/mo
Deposit HK$931K · loan HK$8.38M · min. income ≈ HK$89,580/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$300,637 · 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).