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$21,277
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$21,939
−HK$672/mo
Today · 4.125%
HK$22,611
baseline
▲ 0.50% · 4.625%
HK$23,987
+HK$1,376/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$45,222/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$303,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,671
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$24,305
−HK$645/mo
Today · 4.125%
HK$24,950
baseline
▲ 0.50% · 4.625%
HK$26,265
+HK$1,315/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$49,900/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$303,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,533
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$26,327
−HK$807/mo
Today · 4.125%
HK$27,134
baseline
▲ 0.50% · 4.625%
HK$28,785
+HK$1,651/mo
Deposit HK$3.73M · loan HK$5.60M · min. income ≈ HK$54,268/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$303,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,405
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$29,167
−HK$772/mo
Today · 4.125%
HK$29,939
baseline
▲ 0.50% · 4.625%
HK$31,518
+HK$1,579/mo
Deposit HK$3.73M · loan HK$5.60M · min. income ≈ HK$59,878/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$303,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,788
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$30,715
−HK$941/mo
Today · 4.125%
HK$31,656
baseline
▲ 0.50% · 4.625%
HK$33,582
+HK$1,926/mo
Deposit HK$2.80M · loan HK$6.53M · min. income ≈ HK$63,312/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$303,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,139
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$34,028
−HK$901/mo
Today · 4.125%
HK$34,929
baseline
▲ 0.50% · 4.625%
HK$36,770
+HK$1,841/mo
Deposit HK$2.80M · loan HK$6.53M · min. income ≈ HK$69,858/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$303,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,299
−HK$2,402/mo
▼ 0.25% · 3.875%
HK$39,490
−HK$1,211/mo
Today · 4.125%
HK$40,701
baseline
▲ 0.50% · 4.625%
HK$43,177
+HK$2,476/mo
Deposit HK$933K · loan HK$8.40M · min. income ≈ HK$81,402/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$303,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,607
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$43,750
−HK$1,159/mo
Today · 4.125%
HK$44,909
baseline
▲ 0.50% · 4.625%
HK$47,276
+HK$2,367/mo
Deposit HK$933K · loan HK$8.40M · min. income ≈ HK$89,818/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$303,105 · 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).