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$21,307
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$21,970
−HK$673/mo
Today · 4.125%
HK$22,643
baseline
▲ 0.50% · 4.625%
HK$24,021
+HK$1,378/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$45,286/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$304,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,704
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$24,340
−HK$645/mo
Today · 4.125%
HK$24,985
baseline
▲ 0.50% · 4.625%
HK$26,302
+HK$1,317/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$49,970/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$304,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,569
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$26,364
−HK$808/mo
Today · 4.125%
HK$27,172
baseline
▲ 0.50% · 4.625%
HK$28,825
+HK$1,653/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$54,344/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$304,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,445
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$29,208
−HK$774/mo
Today · 4.125%
HK$29,982
baseline
▲ 0.50% · 4.625%
HK$31,562
+HK$1,580/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$59,964/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$304,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,830
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$30,758
−HK$943/mo
Today · 4.125%
HK$31,701
baseline
▲ 0.50% · 4.625%
HK$33,630
+HK$1,929/mo
Deposit HK$2.80M · loan HK$6.54M · min. income ≈ HK$63,402/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$304,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,186
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$34,076
−HK$903/mo
Today · 4.125%
HK$34,979
baseline
▲ 0.50% · 4.625%
HK$36,822
+HK$1,843/mo
Deposit HK$2.80M · loan HK$6.54M · min. income ≈ HK$69,958/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$304,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,353
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$39,546
−HK$1,212/mo
Today · 4.125%
HK$40,758
baseline
▲ 0.50% · 4.625%
HK$43,238
+HK$2,480/mo
Deposit HK$934K · loan HK$8.41M · min. income ≈ HK$81,516/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$304,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,667
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$43,812
−HK$1,161/mo
Today · 4.125%
HK$44,973
baseline
▲ 0.50% · 4.625%
HK$47,343
+HK$2,370/mo
Deposit HK$934K · loan HK$8.41M · min. income ≈ HK$89,946/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$304,422 · 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).