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$21,200
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$21,860
−HK$670/mo
Today · 4.125%
HK$22,530
baseline
▲ 0.50% · 4.625%
HK$23,900
+HK$1,370/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$45,060/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$299,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,585
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$24,217
−HK$642/mo
Today · 4.125%
HK$24,859
baseline
▲ 0.50% · 4.625%
HK$26,170
+HK$1,311/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$49,718/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$299,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,440
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$26,232
−HK$804/mo
Today · 4.125%
HK$27,036
baseline
▲ 0.50% · 4.625%
HK$28,681
+HK$1,645/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$54,072/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$299,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,302
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$29,061
−HK$770/mo
Today · 4.125%
HK$29,831
baseline
▲ 0.50% · 4.625%
HK$31,403
+HK$1,572/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$59,662/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$299,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,680
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$30,603
−HK$938/mo
Today · 4.125%
HK$31,541
baseline
▲ 0.50% · 4.625%
HK$33,461
+HK$1,920/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$63,082/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$299,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,019
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$33,904
−HK$899/mo
Today · 4.125%
HK$34,803
baseline
▲ 0.50% · 4.625%
HK$36,637
+HK$1,834/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$69,606/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$299,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,160
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$39,347
−HK$1,206/mo
Today · 4.125%
HK$40,553
baseline
▲ 0.50% · 4.625%
HK$43,021
+HK$2,468/mo
Deposit HK$930K · loan HK$8.37M · min. income ≈ HK$81,106/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$299,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,453
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$43,591
−HK$1,156/mo
Today · 4.125%
HK$44,747
baseline
▲ 0.50% · 4.625%
HK$47,105
+HK$2,358/mo
Deposit HK$930K · loan HK$8.37M · min. income ≈ HK$89,494/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$299,727 · 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).