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$21,210
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$21,870
−HK$671/mo
Today · 4.125%
HK$22,541
baseline
▲ 0.50% · 4.625%
HK$23,912
+HK$1,371/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$45,082/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$300,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,596
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$24,229
−HK$642/mo
Today · 4.125%
HK$24,871
baseline
▲ 0.50% · 4.625%
HK$26,182
+HK$1,311/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$49,742/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$300,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,453
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$26,244
−HK$805/mo
Today · 4.125%
HK$27,049
baseline
▲ 0.50% · 4.625%
HK$28,695
+HK$1,646/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$54,098/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$300,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,316
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$29,075
−HK$771/mo
Today · 4.125%
HK$29,846
baseline
▲ 0.50% · 4.625%
HK$31,419
+HK$1,573/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$59,692/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$300,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,695
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$30,618
−HK$939/mo
Today · 4.125%
HK$31,557
baseline
▲ 0.50% · 4.625%
HK$33,477
+HK$1,920/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$63,114/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$300,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,035
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$33,921
−HK$899/mo
Today · 4.125%
HK$34,820
baseline
▲ 0.50% · 4.625%
HK$36,655
+HK$1,835/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$69,640/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$300,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,179
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$39,366
−HK$1,207/mo
Today · 4.125%
HK$40,573
baseline
▲ 0.50% · 4.625%
HK$43,042
+HK$2,469/mo
Deposit HK$930K · loan HK$8.37M · min. income ≈ HK$81,146/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$300,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,474
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$43,613
−HK$1,155/mo
Today · 4.125%
HK$44,768
baseline
▲ 0.50% · 4.625%
HK$47,128
+HK$2,360/mo
Deposit HK$930K · loan HK$8.37M · min. income ≈ HK$89,536/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$300,181 · 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).