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$21,203
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$21,863
−HK$670/mo
Today · 4.125%
HK$22,533
baseline
▲ 0.50% · 4.625%
HK$23,904
+HK$1,371/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$45,066/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$299,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,588
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$24,221
−HK$642/mo
Today · 4.125%
HK$24,863
baseline
▲ 0.50% · 4.625%
HK$26,173
+HK$1,310/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$49,726/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$299,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,444
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$26,235
−HK$804/mo
Today · 4.125%
HK$27,039
baseline
▲ 0.50% · 4.625%
HK$28,684
+HK$1,645/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$54,078/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$299,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,306
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$29,065
−HK$770/mo
Today · 4.125%
HK$29,835
baseline
▲ 0.50% · 4.625%
HK$31,408
+HK$1,573/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$59,670/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$299,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,684
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$30,608
−HK$938/mo
Today · 4.125%
HK$31,546
baseline
▲ 0.50% · 4.625%
HK$33,465
+HK$1,919/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$63,092/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$299,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,023
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$33,909
−HK$899/mo
Today · 4.125%
HK$34,808
baseline
▲ 0.50% · 4.625%
HK$36,642
+HK$1,834/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$69,616/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$299,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,165
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$39,353
−HK$1,206/mo
Today · 4.125%
HK$40,559
baseline
▲ 0.50% · 4.625%
HK$43,027
+HK$2,468/mo
Deposit HK$930K · loan HK$8.37M · min. income ≈ HK$81,118/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$299,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,459
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$43,597
−HK$1,156/mo
Today · 4.125%
HK$44,753
baseline
▲ 0.50% · 4.625%
HK$47,112
+HK$2,359/mo
Deposit HK$930K · loan HK$8.37M · min. income ≈ HK$89,506/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$299,852 · 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).