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$21,196
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$21,855
−HK$670/mo
Today · 4.125%
HK$22,525
baseline
▲ 0.50% · 4.625%
HK$23,896
+HK$1,371/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$45,050/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$299,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,580
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$24,213
−HK$641/mo
Today · 4.125%
HK$24,854
baseline
▲ 0.50% · 4.625%
HK$26,164
+HK$1,310/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$49,708/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$299,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,435
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$26,226
−HK$804/mo
Today · 4.125%
HK$27,030
baseline
▲ 0.50% · 4.625%
HK$28,675
+HK$1,645/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$54,060/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$299,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,296
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$29,055
−HK$770/mo
Today · 4.125%
HK$29,825
baseline
▲ 0.50% · 4.625%
HK$31,397
+HK$1,572/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$59,650/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$299,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,674
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$30,597
−HK$938/mo
Today · 4.125%
HK$31,535
baseline
▲ 0.50% · 4.625%
HK$33,454
+HK$1,919/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$63,070/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$299,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,013
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$33,898
−HK$898/mo
Today · 4.125%
HK$34,796
baseline
▲ 0.50% · 4.625%
HK$36,630
+HK$1,834/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$69,592/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$299,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,153
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$39,340
−HK$1,205/mo
Today · 4.125%
HK$40,545
baseline
▲ 0.50% · 4.625%
HK$43,012
+HK$2,467/mo
Deposit HK$930K · loan HK$8.37M · min. income ≈ HK$81,090/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$299,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,445
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$43,583
−HK$1,155/mo
Today · 4.125%
HK$44,738
baseline
▲ 0.50% · 4.625%
HK$47,096
+HK$2,358/mo
Deposit HK$930K · loan HK$8.37M · min. income ≈ HK$89,476/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$299,547 · 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).