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$21,318
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$21,981
−HK$673/mo
Today · 4.125%
HK$22,654
baseline
▲ 0.50% · 4.625%
HK$24,033
+HK$1,379/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$45,308/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$304,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,716
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$24,352
−HK$645/mo
Today · 4.125%
HK$24,997
baseline
▲ 0.50% · 4.625%
HK$26,314
+HK$1,317/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$49,994/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$304,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,581
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$26,377
−HK$808/mo
Today · 4.125%
HK$27,185
baseline
▲ 0.50% · 4.625%
HK$28,839
+HK$1,654/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$54,370/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$304,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,459
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$29,222
−HK$774/mo
Today · 4.125%
HK$29,996
baseline
▲ 0.50% · 4.625%
HK$31,577
+HK$1,581/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$59,992/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$304,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,845
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$30,773
−HK$943/mo
Today · 4.125%
HK$31,716
baseline
▲ 0.50% · 4.625%
HK$33,646
+HK$1,930/mo
Deposit HK$2.80M · loan HK$6.54M · min. income ≈ HK$63,432/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$304,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,202
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$34,092
−HK$904/mo
Today · 4.125%
HK$34,996
baseline
▲ 0.50% · 4.625%
HK$36,840
+HK$1,844/mo
Deposit HK$2.80M · loan HK$6.54M · min. income ≈ HK$69,992/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$304,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,372
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$39,565
−HK$1,213/mo
Today · 4.125%
HK$40,778
baseline
▲ 0.50% · 4.625%
HK$43,259
+HK$2,481/mo
Deposit HK$935K · loan HK$8.41M · min. income ≈ HK$81,556/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$304,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,688
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$43,833
−HK$1,161/mo
Today · 4.125%
HK$44,994
baseline
▲ 0.50% · 4.625%
HK$47,366
+HK$2,372/mo
Deposit HK$935K · loan HK$8.41M · min. income ≈ HK$89,988/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$304,877 · 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).