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$21,279
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$21,940
−HK$673/mo
Today · 4.125%
HK$22,613
baseline
▲ 0.50% · 4.625%
HK$23,989
+HK$1,376/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$45,226/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$303,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,672
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$24,307
−HK$644/mo
Today · 4.125%
HK$24,951
baseline
▲ 0.50% · 4.625%
HK$26,266
+HK$1,315/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$49,902/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$303,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,534
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$26,328
−HK$807/mo
Today · 4.125%
HK$27,135
baseline
▲ 0.50% · 4.625%
HK$28,787
+HK$1,652/mo
Deposit HK$3.73M · loan HK$5.60M · min. income ≈ HK$54,270/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$303,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,407
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$29,168
−HK$773/mo
Today · 4.125%
HK$29,941
baseline
▲ 0.50% · 4.625%
HK$31,520
+HK$1,579/mo
Deposit HK$3.73M · loan HK$5.60M · min. income ≈ HK$59,882/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$303,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,790
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$30,717
−HK$941/mo
Today · 4.125%
HK$31,658
baseline
▲ 0.50% · 4.625%
HK$33,584
+HK$1,926/mo
Deposit HK$2.80M · loan HK$6.53M · min. income ≈ HK$63,316/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$303,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,141
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$34,030
−HK$901/mo
Today · 4.125%
HK$34,931
baseline
▲ 0.50% · 4.625%
HK$36,773
+HK$1,842/mo
Deposit HK$2.80M · loan HK$6.53M · min. income ≈ HK$69,862/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$303,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,301
−HK$2,402/mo
▼ 0.25% · 3.875%
HK$39,493
−HK$1,210/mo
Today · 4.125%
HK$40,703
baseline
▲ 0.50% · 4.625%
HK$43,180
+HK$2,477/mo
Deposit HK$933K · loan HK$8.40M · min. income ≈ HK$81,406/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$303,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,610
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$43,753
−HK$1,159/mo
Today · 4.125%
HK$44,912
baseline
▲ 0.50% · 4.625%
HK$47,279
+HK$2,367/mo
Deposit HK$933K · loan HK$8.40M · min. income ≈ HK$89,824/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$303,164 · 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).