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$21,295
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$21,957
−HK$673/mo
Today · 4.125%
HK$22,630
baseline
▲ 0.50% · 4.625%
HK$24,007
+HK$1,377/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$45,260/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$303,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,690
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$24,325
−HK$645/mo
Today · 4.125%
HK$24,970
baseline
▲ 0.50% · 4.625%
HK$26,286
+HK$1,316/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$49,940/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$303,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,553
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$26,348
−HK$808/mo
Today · 4.125%
HK$27,156
baseline
▲ 0.50% · 4.625%
HK$28,808
+HK$1,652/mo
Deposit HK$3.74M · loan HK$5.60M · min. income ≈ HK$54,312/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$303,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,428
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$29,190
−HK$774/mo
Today · 4.125%
HK$29,964
baseline
▲ 0.50% · 4.625%
HK$31,543
+HK$1,579/mo
Deposit HK$3.74M · loan HK$5.60M · min. income ≈ HK$59,928/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$303,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,812
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$30,740
−HK$942/mo
Today · 4.125%
HK$31,682
baseline
▲ 0.50% · 4.625%
HK$33,610
+HK$1,928/mo
Deposit HK$2.80M · loan HK$6.54M · min. income ≈ HK$63,364/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$303,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,166
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$34,055
−HK$903/mo
Today · 4.125%
HK$34,958
baseline
▲ 0.50% · 4.625%
HK$36,800
+HK$1,842/mo
Deposit HK$2.80M · loan HK$6.54M · min. income ≈ HK$69,916/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$303,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,330
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$39,522
−HK$1,212/mo
Today · 4.125%
HK$40,734
baseline
▲ 0.50% · 4.625%
HK$43,212
+HK$2,478/mo
Deposit HK$934K · loan HK$8.40M · min. income ≈ HK$81,468/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$303,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,642
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$43,786
−HK$1,160/mo
Today · 4.125%
HK$44,946
baseline
▲ 0.50% · 4.625%
HK$47,315
+HK$2,369/mo
Deposit HK$934K · loan HK$8.40M · min. income ≈ HK$89,892/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$303,867 · 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).