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$21,217
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$21,877
−HK$671/mo
Today · 4.125%
HK$22,548
baseline
▲ 0.50% · 4.625%
HK$23,919
+HK$1,371/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$45,096/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$300,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,604
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$24,237
−HK$642/mo
Today · 4.125%
HK$24,879
baseline
▲ 0.50% · 4.625%
HK$26,190
+HK$1,311/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$49,758/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$300,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,460
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$26,252
−HK$805/mo
Today · 4.125%
HK$27,057
baseline
▲ 0.50% · 4.625%
HK$28,703
+HK$1,646/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$54,114/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$300,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,324
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$29,084
−HK$771/mo
Today · 4.125%
HK$29,855
baseline
▲ 0.50% · 4.625%
HK$31,428
+HK$1,573/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$59,710/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$300,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,704
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$30,628
−HK$939/mo
Today · 4.125%
HK$31,567
baseline
▲ 0.50% · 4.625%
HK$33,487
+HK$1,920/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$63,134/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$300,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,045
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$33,931
−HK$900/mo
Today · 4.125%
HK$34,831
baseline
▲ 0.50% · 4.625%
HK$36,667
+HK$1,836/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$69,662/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$300,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,191
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$39,379
−HK$1,207/mo
Today · 4.125%
HK$40,586
baseline
▲ 0.50% · 4.625%
HK$43,055
+HK$2,469/mo
Deposit HK$930K · loan HK$8.37M · min. income ≈ HK$81,172/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$300,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,487
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$43,626
−HK$1,156/mo
Today · 4.125%
HK$44,782
baseline
▲ 0.50% · 4.625%
HK$47,143
+HK$2,361/mo
Deposit HK$930K · loan HK$8.37M · min. income ≈ HK$89,564/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$300,468 · 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).