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$21,334
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$21,998
−HK$674/mo
Today · 4.125%
HK$22,672
baseline
▲ 0.50% · 4.625%
HK$24,052
+HK$1,380/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$45,344/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$305,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,734
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$24,371
−HK$646/mo
Today · 4.125%
HK$25,017
baseline
▲ 0.50% · 4.625%
HK$26,335
+HK$1,318/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$50,034/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$305,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,601
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$26,398
−HK$809/mo
Today · 4.125%
HK$27,207
baseline
▲ 0.50% · 4.625%
HK$28,862
+HK$1,655/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$54,414/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$305,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,481
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$29,245
−HK$775/mo
Today · 4.125%
HK$30,020
baseline
▲ 0.50% · 4.625%
HK$31,602
+HK$1,582/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$60,040/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$305,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,868
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$30,797
−HK$944/mo
Today · 4.125%
HK$31,741
baseline
▲ 0.50% · 4.625%
HK$33,673
+HK$1,932/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$63,482/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$305,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,228
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$34,119
−HK$904/mo
Today · 4.125%
HK$35,023
baseline
▲ 0.50% · 4.625%
HK$36,870
+HK$1,847/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$70,046/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$305,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,402
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$39,597
−HK$1,213/mo
Today · 4.125%
HK$40,810
baseline
▲ 0.50% · 4.625%
HK$43,293
+HK$2,483/mo
Deposit HK$936K · loan HK$8.42M · min. income ≈ HK$81,620/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$305,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,722
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$43,868
−HK$1,162/mo
Today · 4.125%
HK$45,030
baseline
▲ 0.50% · 4.625%
HK$47,404
+HK$2,374/mo
Deposit HK$936K · loan HK$8.42M · min. income ≈ HK$90,060/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$305,618 · 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).