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$21,296
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$21,959
−HK$673/mo
Today · 4.125%
HK$22,632
baseline
▲ 0.50% · 4.625%
HK$24,009
+HK$1,377/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$45,264/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$303,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,692
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$24,327
−HK$645/mo
Today · 4.125%
HK$24,972
baseline
▲ 0.50% · 4.625%
HK$26,288
+HK$1,316/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$49,944/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$303,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,555
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$26,350
−HK$808/mo
Today · 4.125%
HK$27,158
baseline
▲ 0.50% · 4.625%
HK$28,810
+HK$1,652/mo
Deposit HK$3.74M · loan HK$5.60M · min. income ≈ HK$54,316/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$303,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,430
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$29,193
−HK$773/mo
Today · 4.125%
HK$29,966
baseline
▲ 0.50% · 4.625%
HK$31,546
+HK$1,580/mo
Deposit HK$3.74M · loan HK$5.60M · min. income ≈ HK$59,932/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$303,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,815
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$30,742
−HK$942/mo
Today · 4.125%
HK$31,684
baseline
▲ 0.50% · 4.625%
HK$33,612
+HK$1,928/mo
Deposit HK$2.80M · loan HK$6.54M · min. income ≈ HK$63,368/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$303,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,168
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$34,058
−HK$902/mo
Today · 4.125%
HK$34,960
baseline
▲ 0.50% · 4.625%
HK$36,803
+HK$1,843/mo
Deposit HK$2.80M · loan HK$6.54M · min. income ≈ HK$69,920/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$303,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,333
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$39,525
−HK$1,212/mo
Today · 4.125%
HK$40,737
baseline
▲ 0.50% · 4.625%
HK$43,216
+HK$2,479/mo
Deposit HK$934K · loan HK$8.41M · min. income ≈ HK$81,474/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$303,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,645
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$43,789
−HK$1,160/mo
Today · 4.125%
HK$44,949
baseline
▲ 0.50% · 4.625%
HK$47,318
+HK$2,369/mo
Deposit HK$934K · loan HK$8.41M · min. income ≈ HK$89,898/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$303,934 · 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).