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$21,342
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$22,006
−HK$674/mo
Today · 4.125%
HK$22,680
baseline
▲ 0.50% · 4.625%
HK$24,060
+HK$1,380/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$45,360/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$305,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,743
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$24,379
−HK$646/mo
Today · 4.125%
HK$25,025
baseline
▲ 0.50% · 4.625%
HK$26,345
+HK$1,320/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$50,050/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$305,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,610
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$26,407
−HK$809/mo
Today · 4.125%
HK$27,216
baseline
▲ 0.50% · 4.625%
HK$28,872
+HK$1,656/mo
Deposit HK$3.74M · loan HK$5.62M · min. income ≈ HK$54,432/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$305,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,491
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$29,255
−HK$775/mo
Today · 4.125%
HK$30,030
baseline
▲ 0.50% · 4.625%
HK$31,613
+HK$1,583/mo
Deposit HK$3.74M · loan HK$5.62M · min. income ≈ HK$60,060/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$305,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,879
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$30,808
−HK$944/mo
Today · 4.125%
HK$31,752
baseline
▲ 0.50% · 4.625%
HK$33,684
+HK$1,932/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$63,504/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$305,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,240
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$34,131
−HK$905/mo
Today · 4.125%
HK$35,036
baseline
▲ 0.50% · 4.625%
HK$36,882
+HK$1,846/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$70,072/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$305,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,415
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$39,610
−HK$1,214/mo
Today · 4.125%
HK$40,824
baseline
▲ 0.50% · 4.625%
HK$43,308
+HK$2,484/mo
Deposit HK$936K · loan HK$8.42M · min. income ≈ HK$81,648/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$305,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,737
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$43,883
−HK$1,163/mo
Today · 4.125%
HK$45,046
baseline
▲ 0.50% · 4.625%
HK$47,420
+HK$2,374/mo
Deposit HK$936K · loan HK$8.42M · min. income ≈ HK$90,092/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$305,943 · 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).