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$21,333
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$21,997
−HK$674/mo
Today · 4.125%
HK$22,671
baseline
▲ 0.50% · 4.625%
HK$24,051
+HK$1,380/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$45,342/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$305,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,733
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$24,370
−HK$645/mo
Today · 4.125%
HK$25,015
baseline
▲ 0.50% · 4.625%
HK$26,334
+HK$1,319/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$50,030/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$305,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,600
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$26,396
−HK$809/mo
Today · 4.125%
HK$27,205
baseline
▲ 0.50% · 4.625%
HK$28,861
+HK$1,656/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$54,410/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$305,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,480
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$29,244
−HK$775/mo
Today · 4.125%
HK$30,019
baseline
▲ 0.50% · 4.625%
HK$31,601
+HK$1,582/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$60,038/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$305,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,867
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$30,796
−HK$944/mo
Today · 4.125%
HK$31,740
baseline
▲ 0.50% · 4.625%
HK$33,671
+HK$1,931/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$63,480/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$305,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,226
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$34,118
−HK$904/mo
Today · 4.125%
HK$35,022
baseline
▲ 0.50% · 4.625%
HK$36,868
+HK$1,846/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$70,044/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$305,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,400
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$39,595
−HK$1,213/mo
Today · 4.125%
HK$40,808
baseline
▲ 0.50% · 4.625%
HK$43,291
+HK$2,483/mo
Deposit HK$936K · loan HK$8.42M · min. income ≈ HK$81,616/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$305,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,720
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$43,865
−HK$1,163/mo
Today · 4.125%
HK$45,028
baseline
▲ 0.50% · 4.625%
HK$47,401
+HK$2,373/mo
Deposit HK$936K · loan HK$8.42M · min. income ≈ HK$90,056/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$305,571 · 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).