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$21,341
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$22,005
−HK$674/mo
Today · 4.125%
HK$22,679
baseline
▲ 0.50% · 4.625%
HK$24,059
+HK$1,380/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$45,358/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$305,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,741
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$24,378
−HK$646/mo
Today · 4.125%
HK$25,024
baseline
▲ 0.50% · 4.625%
HK$26,343
+HK$1,319/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$50,048/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$305,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,609
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$26,405
−HK$810/mo
Today · 4.125%
HK$27,215
baseline
▲ 0.50% · 4.625%
HK$28,871
+HK$1,656/mo
Deposit HK$3.74M · loan HK$5.62M · min. income ≈ HK$54,430/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$305,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,490
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$29,254
−HK$775/mo
Today · 4.125%
HK$30,029
baseline
▲ 0.50% · 4.625%
HK$31,612
+HK$1,583/mo
Deposit HK$3.74M · loan HK$5.62M · min. income ≈ HK$60,058/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$305,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,877
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$30,806
−HK$945/mo
Today · 4.125%
HK$31,751
baseline
▲ 0.50% · 4.625%
HK$33,683
+HK$1,932/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$63,502/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$305,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,238
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$34,129
−HK$905/mo
Today · 4.125%
HK$35,034
baseline
▲ 0.50% · 4.625%
HK$36,880
+HK$1,846/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$70,068/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$305,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,413
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$39,608
−HK$1,214/mo
Today · 4.125%
HK$40,822
baseline
▲ 0.50% · 4.625%
HK$43,306
+HK$2,484/mo
Deposit HK$936K · loan HK$8.42M · min. income ≈ HK$81,644/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$305,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,734
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$43,881
−HK$1,162/mo
Today · 4.125%
HK$45,043
baseline
▲ 0.50% · 4.625%
HK$47,418
+HK$2,375/mo
Deposit HK$936K · loan HK$8.42M · min. income ≈ HK$90,086/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$305,893 · 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).