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$21,282
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$21,944
−HK$673/mo
Today · 4.125%
HK$22,617
baseline
▲ 0.50% · 4.625%
HK$23,993
+HK$1,376/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$45,234/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$303,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,676
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$24,311
−HK$645/mo
Today · 4.125%
HK$24,956
baseline
▲ 0.50% · 4.625%
HK$26,271
+HK$1,315/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$49,912/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$303,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,539
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$26,333
−HK$807/mo
Today · 4.125%
HK$27,140
baseline
▲ 0.50% · 4.625%
HK$28,792
+HK$1,652/mo
Deposit HK$3.73M · loan HK$5.60M · min. income ≈ HK$54,280/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$303,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,412
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$29,174
−HK$773/mo
Today · 4.125%
HK$29,947
baseline
▲ 0.50% · 4.625%
HK$31,525
+HK$1,578/mo
Deposit HK$3.73M · loan HK$5.60M · min. income ≈ HK$59,894/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$303,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,795
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$30,722
−HK$942/mo
Today · 4.125%
HK$31,664
baseline
▲ 0.50% · 4.625%
HK$33,590
+HK$1,926/mo
Deposit HK$2.80M · loan HK$6.53M · min. income ≈ HK$63,328/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$303,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,147
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$34,036
−HK$902/mo
Today · 4.125%
HK$34,938
baseline
▲ 0.50% · 4.625%
HK$36,779
+HK$1,841/mo
Deposit HK$2.80M · loan HK$6.53M · min. income ≈ HK$69,876/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$303,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,308
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$39,500
−HK$1,211/mo
Today · 4.125%
HK$40,711
baseline
▲ 0.50% · 4.625%
HK$43,188
+HK$2,477/mo
Deposit HK$933K · loan HK$8.40M · min. income ≈ HK$81,422/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$303,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,618
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$43,761
−HK$1,159/mo
Today · 4.125%
HK$44,920
baseline
▲ 0.50% · 4.625%
HK$47,288
+HK$2,368/mo
Deposit HK$933K · loan HK$8.40M · min. income ≈ HK$89,840/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$303,333 · 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).