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$21,293
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$21,955
−HK$673/mo
Today · 4.125%
HK$22,628
baseline
▲ 0.50% · 4.625%
HK$24,005
+HK$1,377/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$45,256/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$303,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,688
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$24,323
−HK$645/mo
Today · 4.125%
HK$24,968
baseline
▲ 0.50% · 4.625%
HK$26,284
+HK$1,316/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$49,936/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$303,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,551
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$26,346
−HK$808/mo
Today · 4.125%
HK$27,154
baseline
▲ 0.50% · 4.625%
HK$28,806
+HK$1,652/mo
Deposit HK$3.74M · loan HK$5.60M · min. income ≈ HK$54,308/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$303,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,426
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$29,188
−HK$774/mo
Today · 4.125%
HK$29,962
baseline
▲ 0.50% · 4.625%
HK$31,541
+HK$1,579/mo
Deposit HK$3.74M · loan HK$5.60M · min. income ≈ HK$59,924/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$303,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,810
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$30,737
−HK$942/mo
Today · 4.125%
HK$31,679
baseline
▲ 0.50% · 4.625%
HK$33,607
+HK$1,928/mo
Deposit HK$2.80M · loan HK$6.54M · min. income ≈ HK$63,358/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$303,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,163
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$34,053
−HK$902/mo
Today · 4.125%
HK$34,955
baseline
▲ 0.50% · 4.625%
HK$36,798
+HK$1,843/mo
Deposit HK$2.80M · loan HK$6.54M · min. income ≈ HK$69,910/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$303,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,327
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$39,519
−HK$1,212/mo
Today · 4.125%
HK$40,731
baseline
▲ 0.50% · 4.625%
HK$43,209
+HK$2,478/mo
Deposit HK$934K · loan HK$8.40M · min. income ≈ HK$81,462/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$303,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,639
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$43,782
−HK$1,160/mo
Today · 4.125%
HK$44,942
baseline
▲ 0.50% · 4.625%
HK$47,311
+HK$2,369/mo
Deposit HK$934K · loan HK$8.40M · min. income ≈ HK$89,884/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$303,795 · 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).