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$21,271
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$21,932
−HK$672/mo
Today · 4.125%
HK$22,604
baseline
▲ 0.50% · 4.625%
HK$23,980
+HK$1,376/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$45,208/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$302,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,663
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$24,298
−HK$644/mo
Today · 4.125%
HK$24,942
baseline
▲ 0.50% · 4.625%
HK$26,257
+HK$1,315/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$49,884/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$302,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,525
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$26,319
−HK$806/mo
Today · 4.125%
HK$27,125
baseline
▲ 0.50% · 4.625%
HK$28,776
+HK$1,651/mo
Deposit HK$3.73M · loan HK$5.60M · min. income ≈ HK$54,250/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$302,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,396
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$29,158
−HK$772/mo
Today · 4.125%
HK$29,930
baseline
▲ 0.50% · 4.625%
HK$31,508
+HK$1,578/mo
Deposit HK$3.73M · loan HK$5.60M · min. income ≈ HK$59,860/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$302,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,779
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$30,705
−HK$941/mo
Today · 4.125%
HK$31,646
baseline
▲ 0.50% · 4.625%
HK$33,572
+HK$1,926/mo
Deposit HK$2.80M · loan HK$6.53M · min. income ≈ HK$63,292/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$302,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,129
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$34,017
−HK$902/mo
Today · 4.125%
HK$34,919
baseline
▲ 0.50% · 4.625%
HK$36,759
+HK$1,840/mo
Deposit HK$2.80M · loan HK$6.53M · min. income ≈ HK$69,838/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$302,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,287
−HK$2,401/mo
▼ 0.25% · 3.875%
HK$39,478
−HK$1,210/mo
Today · 4.125%
HK$40,688
baseline
▲ 0.50% · 4.625%
HK$43,164
+HK$2,476/mo
Deposit HK$933K · loan HK$8.40M · min. income ≈ HK$81,376/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$302,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,594
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$43,736
−HK$1,159/mo
Today · 4.125%
HK$44,895
baseline
▲ 0.50% · 4.625%
HK$47,262
+HK$2,367/mo
Deposit HK$933K · loan HK$8.40M · min. income ≈ HK$89,790/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$302,818 · 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).