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$21,326
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$21,990
−HK$673/mo
Today · 4.125%
HK$22,663
baseline
▲ 0.50% · 4.625%
HK$24,042
+HK$1,379/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$45,326/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$305,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,725
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$24,361
−HK$646/mo
Today · 4.125%
HK$25,007
baseline
▲ 0.50% · 4.625%
HK$26,325
+HK$1,318/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$50,014/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$305,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,591
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$26,387
−HK$809/mo
Today · 4.125%
HK$27,196
baseline
▲ 0.50% · 4.625%
HK$28,851
+HK$1,655/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$54,392/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$305,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,470
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$29,234
−HK$774/mo
Today · 4.125%
HK$30,008
baseline
▲ 0.50% · 4.625%
HK$31,590
+HK$1,582/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$60,016/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$305,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,857
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$30,785
−HK$944/mo
Today · 4.125%
HK$31,729
baseline
▲ 0.50% · 4.625%
HK$33,659
+HK$1,930/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$63,458/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$305,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,215
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$34,106
−HK$904/mo
Today · 4.125%
HK$35,010
baseline
▲ 0.50% · 4.625%
HK$36,855
+HK$1,845/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$70,020/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$305,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,387
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$39,581
−HK$1,213/mo
Today · 4.125%
HK$40,794
baseline
▲ 0.50% · 4.625%
HK$43,276
+HK$2,482/mo
Deposit HK$935K · loan HK$8.42M · min. income ≈ HK$81,588/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$305,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,705
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$43,851
−HK$1,161/mo
Today · 4.125%
HK$45,012
baseline
▲ 0.50% · 4.625%
HK$47,385
+HK$2,373/mo
Deposit HK$935K · loan HK$8.42M · min. income ≈ HK$90,024/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$305,252 · 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).