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$21,316
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$21,979
−HK$673/mo
Today · 4.125%
HK$22,652
baseline
▲ 0.50% · 4.625%
HK$24,031
+HK$1,379/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$45,304/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$304,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,713
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$24,349
−HK$645/mo
Today · 4.125%
HK$24,994
baseline
▲ 0.50% · 4.625%
HK$26,312
+HK$1,318/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$49,988/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$304,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,579
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$26,374
−HK$809/mo
Today · 4.125%
HK$27,183
baseline
▲ 0.50% · 4.625%
HK$28,837
+HK$1,654/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$54,366/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$304,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,456
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$29,219
−HK$774/mo
Today · 4.125%
HK$29,993
baseline
▲ 0.50% · 4.625%
HK$31,574
+HK$1,581/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$59,986/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$304,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,842
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$30,770
−HK$943/mo
Today · 4.125%
HK$31,713
baseline
▲ 0.50% · 4.625%
HK$33,643
+HK$1,930/mo
Deposit HK$2.80M · loan HK$6.54M · min. income ≈ HK$63,426/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$304,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,199
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$34,089
−HK$903/mo
Today · 4.125%
HK$34,992
baseline
▲ 0.50% · 4.625%
HK$36,837
+HK$1,845/mo
Deposit HK$2.80M · loan HK$6.54M · min. income ≈ HK$69,984/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$304,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,368
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$39,561
−HK$1,213/mo
Today · 4.125%
HK$40,774
baseline
▲ 0.50% · 4.625%
HK$43,255
+HK$2,481/mo
Deposit HK$935K · loan HK$8.41M · min. income ≈ HK$81,548/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$304,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,684
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$43,829
−HK$1,161/mo
Today · 4.125%
HK$44,990
baseline
▲ 0.50% · 4.625%
HK$47,361
+HK$2,371/mo
Deposit HK$935K · loan HK$8.41M · min. income ≈ HK$89,980/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$304,786 · 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).