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$21,303
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$21,965
−HK$674/mo
Today · 4.125%
HK$22,639
baseline
▲ 0.50% · 4.625%
HK$24,016
+HK$1,377/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$45,278/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$304,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,699
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$24,335
−HK$645/mo
Today · 4.125%
HK$24,980
baseline
▲ 0.50% · 4.625%
HK$26,296
+HK$1,316/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$49,960/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$304,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,563
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$26,358
−HK$808/mo
Today · 4.125%
HK$27,166
baseline
▲ 0.50% · 4.625%
HK$28,819
+HK$1,653/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$54,332/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$304,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,439
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$29,202
−HK$773/mo
Today · 4.125%
HK$29,975
baseline
▲ 0.50% · 4.625%
HK$31,555
+HK$1,580/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$59,950/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$304,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,824
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$30,752
−HK$942/mo
Today · 4.125%
HK$31,694
baseline
▲ 0.50% · 4.625%
HK$33,623
+HK$1,929/mo
Deposit HK$2.80M · loan HK$6.54M · min. income ≈ HK$63,388/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$304,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,179
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$34,069
−HK$902/mo
Today · 4.125%
HK$34,971
baseline
▲ 0.50% · 4.625%
HK$36,815
+HK$1,844/mo
Deposit HK$2.80M · loan HK$6.54M · min. income ≈ HK$69,942/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$304,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,345
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$39,538
−HK$1,212/mo
Today · 4.125%
HK$40,750
baseline
▲ 0.50% · 4.625%
HK$43,229
+HK$2,479/mo
Deposit HK$934K · loan HK$8.41M · min. income ≈ HK$81,500/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$304,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,658
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$43,802
−HK$1,161/mo
Today · 4.125%
HK$44,963
baseline
▲ 0.50% · 4.625%
HK$47,333
+HK$2,370/mo
Deposit HK$934K · loan HK$8.41M · min. income ≈ HK$89,926/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$304,227 · 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).