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$21,332
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$21,995
−HK$675/mo
Today · 4.125%
HK$22,670
baseline
▲ 0.50% · 4.625%
HK$24,049
+HK$1,379/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$45,340/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$305,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,732
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$24,368
−HK$646/mo
Today · 4.125%
HK$25,014
baseline
▲ 0.50% · 4.625%
HK$26,332
+HK$1,318/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$50,028/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$305,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,598
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$26,395
−HK$809/mo
Today · 4.125%
HK$27,204
baseline
▲ 0.50% · 4.625%
HK$28,859
+HK$1,655/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$54,408/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$305,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,478
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$29,242
−HK$774/mo
Today · 4.125%
HK$30,016
baseline
▲ 0.50% · 4.625%
HK$31,599
+HK$1,583/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$60,032/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$305,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,865
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$30,794
−HK$943/mo
Today · 4.125%
HK$31,737
baseline
▲ 0.50% · 4.625%
HK$33,669
+HK$1,932/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$63,474/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$305,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,224
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$34,115
−HK$904/mo
Today · 4.125%
HK$35,019
baseline
▲ 0.50% · 4.625%
HK$36,865
+HK$1,846/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$70,038/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$305,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,397
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$39,592
−HK$1,213/mo
Today · 4.125%
HK$40,805
baseline
▲ 0.50% · 4.625%
HK$43,288
+HK$2,483/mo
Deposit HK$936K · loan HK$8.42M · min. income ≈ HK$81,610/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$305,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,717
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$43,862
−HK$1,163/mo
Today · 4.125%
HK$45,025
baseline
▲ 0.50% · 4.625%
HK$47,398
+HK$2,373/mo
Deposit HK$936K · loan HK$8.42M · min. income ≈ HK$90,050/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$305,506 · 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).