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$21,223
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$21,883
−HK$671/mo
Today · 4.125%
HK$22,554
baseline
▲ 0.50% · 4.625%
HK$23,926
+HK$1,372/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$45,108/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$300,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,610
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$24,243
−HK$643/mo
Today · 4.125%
HK$24,886
baseline
▲ 0.50% · 4.625%
HK$26,197
+HK$1,311/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$49,772/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$300,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,467
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$26,260
−HK$804/mo
Today · 4.125%
HK$27,064
baseline
▲ 0.50% · 4.625%
HK$28,711
+HK$1,647/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$54,128/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$300,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,332
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$29,092
−HK$771/mo
Today · 4.125%
HK$29,863
baseline
▲ 0.50% · 4.625%
HK$31,437
+HK$1,574/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$59,726/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$300,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,712
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$30,636
−HK$939/mo
Today · 4.125%
HK$31,575
baseline
▲ 0.50% · 4.625%
HK$33,496
+HK$1,921/mo
Deposit HK$2.79M · loan HK$6.52M · min. income ≈ HK$63,150/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$300,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,054
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$33,941
−HK$899/mo
Today · 4.125%
HK$34,840
baseline
▲ 0.50% · 4.625%
HK$36,676
+HK$1,836/mo
Deposit HK$2.79M · loan HK$6.52M · min. income ≈ HK$69,680/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$300,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,201
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$39,389
−HK$1,208/mo
Today · 4.125%
HK$40,597
baseline
▲ 0.50% · 4.625%
HK$43,067
+HK$2,470/mo
Deposit HK$931K · loan HK$8.38M · min. income ≈ HK$81,194/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$300,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,498
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$43,638
−HK$1,156/mo
Today · 4.125%
HK$44,794
baseline
▲ 0.50% · 4.625%
HK$47,155
+HK$2,361/mo
Deposit HK$931K · loan HK$8.38M · min. income ≈ HK$89,588/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$300,720 · 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).