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$21,328
−HK$1,338/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$305,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,728
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$24,364
−HK$645/mo
Today · 4.125%
HK$25,009
baseline
▲ 0.50% · 4.625%
HK$26,328
+HK$1,319/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$50,018/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$305,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,594
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$26,390
−HK$809/mo
Today · 4.125%
HK$27,199
baseline
▲ 0.50% · 4.625%
HK$28,854
+HK$1,655/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$305,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,473
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$29,237
−HK$774/mo
Today · 4.125%
HK$30,011
baseline
▲ 0.50% · 4.625%
HK$31,593
+HK$1,582/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$60,022/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$305,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,860
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$30,788
−HK$944/mo
Today · 4.125%
HK$31,732
baseline
▲ 0.50% · 4.625%
HK$33,663
+HK$1,931/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$63,464/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$305,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,219
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$34,110
−HK$903/mo
Today · 4.125%
HK$35,013
baseline
▲ 0.50% · 4.625%
HK$36,859
+HK$1,846/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$70,026/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$305,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,391
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$39,585
−HK$1,213/mo
Today · 4.125%
HK$40,798
baseline
▲ 0.50% · 4.625%
HK$43,281
+HK$2,483/mo
Deposit HK$935K · loan HK$8.42M · min. income ≈ HK$81,596/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$305,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,710
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$43,855
−HK$1,162/mo
Today · 4.125%
HK$45,017
baseline
▲ 0.50% · 4.625%
HK$47,390
+HK$2,373/mo
Deposit HK$935K · loan HK$8.42M · min. income ≈ HK$90,034/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$305,349 · 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).