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$21,273
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$21,935
−HK$672/mo
Today · 4.125%
HK$22,607
baseline
▲ 0.50% · 4.625%
HK$23,982
+HK$1,375/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$45,214/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$302,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,666
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$24,301
−HK$643/mo
Today · 4.125%
HK$24,944
baseline
▲ 0.50% · 4.625%
HK$26,259
+HK$1,315/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$49,888/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$302,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,527
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$26,322
−HK$806/mo
Today · 4.125%
HK$27,128
baseline
▲ 0.50% · 4.625%
HK$28,779
+HK$1,651/mo
Deposit HK$3.73M · loan HK$5.60M · min. income ≈ HK$54,256/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$302,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,399
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$29,161
−HK$772/mo
Today · 4.125%
HK$29,933
baseline
▲ 0.50% · 4.625%
HK$31,511
+HK$1,578/mo
Deposit HK$3.73M · loan HK$5.60M · min. income ≈ HK$59,866/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$302,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,782
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$30,708
−HK$942/mo
Today · 4.125%
HK$31,650
baseline
▲ 0.50% · 4.625%
HK$33,575
+HK$1,925/mo
Deposit HK$2.80M · loan HK$6.53M · min. income ≈ HK$63,300/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$302,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,132
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$34,021
−HK$901/mo
Today · 4.125%
HK$34,922
baseline
▲ 0.50% · 4.625%
HK$36,763
+HK$1,841/mo
Deposit HK$2.80M · loan HK$6.53M · min. income ≈ HK$69,844/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$302,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,291
−HK$2,401/mo
▼ 0.25% · 3.875%
HK$39,482
−HK$1,210/mo
Today · 4.125%
HK$40,692
baseline
▲ 0.50% · 4.625%
HK$43,168
+HK$2,476/mo
Deposit HK$933K · loan HK$8.40M · min. income ≈ HK$81,384/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$302,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,599
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$43,741
−HK$1,159/mo
Today · 4.125%
HK$44,900
baseline
▲ 0.50% · 4.625%
HK$47,267
+HK$2,367/mo
Deposit HK$933K · loan HK$8.40M · min. income ≈ HK$89,800/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$302,917 · 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).