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$21,185
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$21,844
−HK$669/mo
Today · 4.125%
HK$22,513
baseline
▲ 0.50% · 4.625%
HK$23,883
+HK$1,370/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$45,026/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$299,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,568
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$24,200
−HK$641/mo
Today · 4.125%
HK$24,841
baseline
▲ 0.50% · 4.625%
HK$26,151
+HK$1,310/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$49,682/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$299,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,422
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$26,212
−HK$804/mo
Today · 4.125%
HK$27,016
baseline
▲ 0.50% · 4.625%
HK$28,660
+HK$1,644/mo
Deposit HK$3.72M · loan HK$5.57M · min. income ≈ HK$54,032/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$299,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,281
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$29,040
−HK$769/mo
Today · 4.125%
HK$29,809
baseline
▲ 0.50% · 4.625%
HK$31,381
+HK$1,572/mo
Deposit HK$3.72M · loan HK$5.57M · min. income ≈ HK$59,618/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$299,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,659
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$30,581
−HK$938/mo
Today · 4.125%
HK$31,519
baseline
▲ 0.50% · 4.625%
HK$33,436
+HK$1,917/mo
Deposit HK$2.79M · loan HK$6.50M · min. income ≈ HK$63,038/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$299,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,995
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$33,880
−HK$898/mo
Today · 4.125%
HK$34,778
baseline
▲ 0.50% · 4.625%
HK$36,611
+HK$1,833/mo
Deposit HK$2.79M · loan HK$6.50M · min. income ≈ HK$69,556/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$299,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,133
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$39,319
−HK$1,205/mo
Today · 4.125%
HK$40,524
baseline
▲ 0.50% · 4.625%
HK$42,990
+HK$2,466/mo
Deposit HK$929K · loan HK$8.36M · min. income ≈ HK$81,048/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$299,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,422
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$43,560
−HK$1,154/mo
Today · 4.125%
HK$44,714
baseline
▲ 0.50% · 4.625%
HK$47,071
+HK$2,357/mo
Deposit HK$929K · loan HK$8.36M · min. income ≈ HK$89,428/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$299,052 · 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).