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$21,329
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$21,992
−HK$674/mo
Today · 4.125%
HK$22,666
baseline
▲ 0.50% · 4.625%
HK$24,045
+HK$1,379/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$45,332/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$305,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,728
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$24,364
−HK$646/mo
Today · 4.125%
HK$25,010
baseline
▲ 0.50% · 4.625%
HK$26,328
+HK$1,318/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$50,020/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$305,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,594
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$26,391
−HK$808/mo
Today · 4.125%
HK$27,199
baseline
▲ 0.50% · 4.625%
HK$28,855
+HK$1,656/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$54,398/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$305,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,474
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$29,237
−HK$775/mo
Today · 4.125%
HK$30,012
baseline
▲ 0.50% · 4.625%
HK$31,594
+HK$1,582/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$60,024/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$305,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,860
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$30,789
−HK$944/mo
Today · 4.125%
HK$31,733
baseline
▲ 0.50% · 4.625%
HK$33,664
+HK$1,931/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$63,466/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$305,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,219
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$34,110
−HK$904/mo
Today · 4.125%
HK$35,014
baseline
▲ 0.50% · 4.625%
HK$36,860
+HK$1,846/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$70,028/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$305,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,392
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$39,586
−HK$1,213/mo
Today · 4.125%
HK$40,799
baseline
▲ 0.50% · 4.625%
HK$43,282
+HK$2,483/mo
Deposit HK$935K · loan HK$8.42M · min. income ≈ HK$81,598/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$305,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,710
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$43,856
−HK$1,162/mo
Today · 4.125%
HK$45,018
baseline
▲ 0.50% · 4.625%
HK$47,391
+HK$2,373/mo
Deposit HK$935K · loan HK$8.42M · min. income ≈ HK$90,036/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$305,366 · 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).