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$21,279
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$21,941
−HK$672/mo
Today · 4.125%
HK$22,613
baseline
▲ 0.50% · 4.625%
HK$23,989
+HK$1,376/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$45,226/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$303,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,673
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$24,308
−HK$644/mo
Today · 4.125%
HK$24,952
baseline
▲ 0.50% · 4.625%
HK$26,267
+HK$1,315/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$49,904/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$303,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,535
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$26,329
−HK$807/mo
Today · 4.125%
HK$27,136
baseline
▲ 0.50% · 4.625%
HK$28,787
+HK$1,651/mo
Deposit HK$3.73M · loan HK$5.60M · min. income ≈ HK$54,272/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$303,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,407
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$29,169
−HK$773/mo
Today · 4.125%
HK$29,942
baseline
▲ 0.50% · 4.625%
HK$31,520
+HK$1,578/mo
Deposit HK$3.73M · loan HK$5.60M · min. income ≈ HK$59,884/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$303,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,791
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$30,717
−HK$942/mo
Today · 4.125%
HK$31,659
baseline
▲ 0.50% · 4.625%
HK$33,585
+HK$1,926/mo
Deposit HK$2.80M · loan HK$6.53M · min. income ≈ HK$63,318/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$303,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,142
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$34,031
−HK$901/mo
Today · 4.125%
HK$34,932
baseline
▲ 0.50% · 4.625%
HK$36,774
+HK$1,842/mo
Deposit HK$2.80M · loan HK$6.53M · min. income ≈ HK$69,864/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$303,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,302
−HK$2,402/mo
▼ 0.25% · 3.875%
HK$39,494
−HK$1,210/mo
Today · 4.125%
HK$40,704
baseline
▲ 0.50% · 4.625%
HK$43,181
+HK$2,477/mo
Deposit HK$933K · loan HK$8.40M · min. income ≈ HK$81,408/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$303,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,611
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$43,754
−HK$1,159/mo
Today · 4.125%
HK$44,913
baseline
▲ 0.50% · 4.625%
HK$47,280
+HK$2,367/mo
Deposit HK$933K · loan HK$8.40M · min. income ≈ HK$89,826/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$303,183 · 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).