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$21,214
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$21,874
−HK$670/mo
Today · 4.125%
HK$22,544
baseline
▲ 0.50% · 4.625%
HK$23,916
+HK$1,372/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$45,088/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$300,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,600
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$24,233
−HK$642/mo
Today · 4.125%
HK$24,875
baseline
▲ 0.50% · 4.625%
HK$26,187
+HK$1,312/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$49,750/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$300,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,457
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$26,249
−HK$804/mo
Today · 4.125%
HK$27,053
baseline
▲ 0.50% · 4.625%
HK$28,699
+HK$1,646/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$54,106/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$300,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,321
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$29,080
−HK$771/mo
Today · 4.125%
HK$29,851
baseline
▲ 0.50% · 4.625%
HK$31,424
+HK$1,573/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$59,702/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$300,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,700
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$30,624
−HK$938/mo
Today · 4.125%
HK$31,562
baseline
▲ 0.50% · 4.625%
HK$33,483
+HK$1,921/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$63,124/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$300,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,041
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$33,927
−HK$899/mo
Today · 4.125%
HK$34,826
baseline
▲ 0.50% · 4.625%
HK$36,661
+HK$1,835/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$69,652/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$300,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,185
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$39,373
−HK$1,207/mo
Today · 4.125%
HK$40,580
baseline
▲ 0.50% · 4.625%
HK$43,049
+HK$2,469/mo
Deposit HK$930K · loan HK$8.37M · min. income ≈ HK$81,160/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$300,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,481
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$43,620
−HK$1,156/mo
Today · 4.125%
HK$44,776
baseline
▲ 0.50% · 4.625%
HK$47,136
+HK$2,360/mo
Deposit HK$930K · loan HK$8.37M · min. income ≈ HK$89,552/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$300,337 · 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).