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$21,304
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$21,967
−HK$673/mo
Today · 4.125%
HK$22,640
baseline
▲ 0.50% · 4.625%
HK$24,018
+HK$1,378/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$45,280/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$304,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,701
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$24,336
−HK$645/mo
Today · 4.125%
HK$24,981
baseline
▲ 0.50% · 4.625%
HK$26,298
+HK$1,317/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$49,962/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$304,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,565
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$26,360
−HK$808/mo
Today · 4.125%
HK$27,168
baseline
▲ 0.50% · 4.625%
HK$28,821
+HK$1,653/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$54,336/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$304,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,441
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$29,203
−HK$774/mo
Today · 4.125%
HK$29,977
baseline
▲ 0.50% · 4.625%
HK$31,557
+HK$1,580/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$59,954/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$304,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,826
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$30,753
−HK$943/mo
Today · 4.125%
HK$31,696
baseline
▲ 0.50% · 4.625%
HK$33,625
+HK$1,929/mo
Deposit HK$2.80M · loan HK$6.54M · min. income ≈ HK$63,392/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$304,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,181
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$34,071
−HK$902/mo
Today · 4.125%
HK$34,973
baseline
▲ 0.50% · 4.625%
HK$36,817
+HK$1,844/mo
Deposit HK$2.80M · loan HK$6.54M · min. income ≈ HK$69,946/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$304,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,347
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$39,540
−HK$1,212/mo
Today · 4.125%
HK$40,752
baseline
▲ 0.50% · 4.625%
HK$43,232
+HK$2,480/mo
Deposit HK$934K · loan HK$8.41M · min. income ≈ HK$81,504/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$304,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,661
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$43,805
−HK$1,161/mo
Today · 4.125%
HK$44,966
baseline
▲ 0.50% · 4.625%
HK$47,336
+HK$2,370/mo
Deposit HK$934K · loan HK$8.41M · min. income ≈ HK$89,932/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$304,284 · 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).