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$21,218
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$21,878
−HK$671/mo
Today · 4.125%
HK$22,549
baseline
▲ 0.50% · 4.625%
HK$23,921
+HK$1,372/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$45,098/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$300,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,605
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$24,238
−HK$643/mo
Today · 4.125%
HK$24,881
baseline
▲ 0.50% · 4.625%
HK$26,192
+HK$1,311/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$49,762/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$300,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,462
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$26,254
−HK$805/mo
Today · 4.125%
HK$27,059
baseline
▲ 0.50% · 4.625%
HK$28,705
+HK$1,646/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$54,118/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$300,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,326
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$29,086
−HK$771/mo
Today · 4.125%
HK$29,857
baseline
▲ 0.50% · 4.625%
HK$31,431
+HK$1,574/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$59,714/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$300,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,706
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$30,630
−HK$939/mo
Today · 4.125%
HK$31,569
baseline
▲ 0.50% · 4.625%
HK$33,489
+HK$1,920/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$63,138/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$300,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,047
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$33,934
−HK$899/mo
Today · 4.125%
HK$34,833
baseline
▲ 0.50% · 4.625%
HK$36,669
+HK$1,836/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$69,666/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$300,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,193
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$39,381
−HK$1,207/mo
Today · 4.125%
HK$40,588
baseline
▲ 0.50% · 4.625%
HK$43,058
+HK$2,470/mo
Deposit HK$931K · loan HK$8.37M · min. income ≈ HK$81,176/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$300,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,489
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$43,629
−HK$1,156/mo
Today · 4.125%
HK$44,785
baseline
▲ 0.50% · 4.625%
HK$47,146
+HK$2,361/mo
Deposit HK$931K · loan HK$8.37M · min. income ≈ HK$89,570/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$300,528 · 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).