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$21,305
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$21,967
−HK$674/mo
Today · 4.125%
HK$22,641
baseline
▲ 0.50% · 4.625%
HK$24,018
+HK$1,377/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$45,282/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$304,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,701
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$24,337
−HK$645/mo
Today · 4.125%
HK$24,982
baseline
▲ 0.50% · 4.625%
HK$26,299
+HK$1,317/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$49,964/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$304,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,566
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$26,361
−HK$808/mo
Today · 4.125%
HK$27,169
baseline
▲ 0.50% · 4.625%
HK$28,822
+HK$1,653/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$54,338/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$304,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,441
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$29,204
−HK$774/mo
Today · 4.125%
HK$29,978
baseline
▲ 0.50% · 4.625%
HK$31,558
+HK$1,580/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$59,956/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$304,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,827
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$30,754
−HK$943/mo
Today · 4.125%
HK$31,697
baseline
▲ 0.50% · 4.625%
HK$33,626
+HK$1,929/mo
Deposit HK$2.80M · loan HK$6.54M · min. income ≈ HK$63,394/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$304,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,182
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$34,072
−HK$902/mo
Today · 4.125%
HK$34,974
baseline
▲ 0.50% · 4.625%
HK$36,818
+HK$1,844/mo
Deposit HK$2.80M · loan HK$6.54M · min. income ≈ HK$69,948/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$304,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,348
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$39,541
−HK$1,212/mo
Today · 4.125%
HK$40,753
baseline
▲ 0.50% · 4.625%
HK$43,233
+HK$2,480/mo
Deposit HK$934K · loan HK$8.41M · min. income ≈ HK$81,506/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$304,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,662
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$43,806
−HK$1,161/mo
Today · 4.125%
HK$44,967
baseline
▲ 0.50% · 4.625%
HK$47,337
+HK$2,370/mo
Deposit HK$934K · loan HK$8.41M · min. income ≈ HK$89,934/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$304,311 · 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).