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$21,339
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$22,003
−HK$675/mo
Today · 4.125%
HK$22,678
baseline
▲ 0.50% · 4.625%
HK$24,057
+HK$1,379/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$45,356/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$305,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,740
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$24,377
−HK$645/mo
Today · 4.125%
HK$25,022
baseline
▲ 0.50% · 4.625%
HK$26,341
+HK$1,319/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$50,044/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$305,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,607
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$26,404
−HK$809/mo
Today · 4.125%
HK$27,213
baseline
▲ 0.50% · 4.625%
HK$28,869
+HK$1,656/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$54,426/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$305,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,488
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$29,252
−HK$775/mo
Today · 4.125%
HK$30,027
baseline
▲ 0.50% · 4.625%
HK$31,610
+HK$1,583/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$60,054/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$305,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,875
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$30,804
−HK$945/mo
Today · 4.125%
HK$31,749
baseline
▲ 0.50% · 4.625%
HK$33,680
+HK$1,931/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$63,498/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$305,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,236
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$34,127
−HK$904/mo
Today · 4.125%
HK$35,031
baseline
▲ 0.50% · 4.625%
HK$36,878
+HK$1,847/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$70,062/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$305,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,411
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$39,606
−HK$1,214/mo
Today · 4.125%
HK$40,820
baseline
▲ 0.50% · 4.625%
HK$43,303
+HK$2,483/mo
Deposit HK$936K · loan HK$8.42M · min. income ≈ HK$81,640/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$305,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,732
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$43,878
−HK$1,162/mo
Today · 4.125%
HK$45,040
baseline
▲ 0.50% · 4.625%
HK$47,415
+HK$2,375/mo
Deposit HK$936K · loan HK$8.42M · min. income ≈ HK$90,080/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$305,833 · 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).