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$21,319
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$21,983
−HK$673/mo
Today · 4.125%
HK$22,656
baseline
▲ 0.50% · 4.625%
HK$24,035
+HK$1,379/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$45,312/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$304,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,718
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$24,354
−HK$645/mo
Today · 4.125%
HK$24,999
baseline
▲ 0.50% · 4.625%
HK$26,317
+HK$1,318/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$49,998/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$304,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,583
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$26,379
−HK$809/mo
Today · 4.125%
HK$27,188
baseline
▲ 0.50% · 4.625%
HK$28,842
+HK$1,654/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$54,376/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$304,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,461
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$29,225
−HK$774/mo
Today · 4.125%
HK$29,999
baseline
▲ 0.50% · 4.625%
HK$31,580
+HK$1,581/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$59,998/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$304,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,847
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$30,776
−HK$943/mo
Today · 4.125%
HK$31,719
baseline
▲ 0.50% · 4.625%
HK$33,649
+HK$1,930/mo
Deposit HK$2.80M · loan HK$6.54M · min. income ≈ HK$63,438/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$304,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,205
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$34,095
−HK$904/mo
Today · 4.125%
HK$34,999
baseline
▲ 0.50% · 4.625%
HK$36,844
+HK$1,845/mo
Deposit HK$2.80M · loan HK$6.54M · min. income ≈ HK$69,998/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$304,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,375
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$39,569
−HK$1,213/mo
Today · 4.125%
HK$40,782
baseline
▲ 0.50% · 4.625%
HK$43,263
+HK$2,481/mo
Deposit HK$935K · loan HK$8.41M · min. income ≈ HK$81,564/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$304,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,692
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$43,837
−HK$1,161/mo
Today · 4.125%
HK$44,998
baseline
▲ 0.50% · 4.625%
HK$47,370
+HK$2,372/mo
Deposit HK$935K · loan HK$8.41M · min. income ≈ HK$89,996/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$304,961 · 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).