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$21,348
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$22,012
−HK$674/mo
Today · 4.125%
HK$22,686
baseline
▲ 0.50% · 4.625%
HK$24,067
+HK$1,381/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$45,372/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$306,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,749
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$24,386
−HK$646/mo
Today · 4.125%
HK$25,032
baseline
▲ 0.50% · 4.625%
HK$26,352
+HK$1,320/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$50,064/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$306,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,617
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$26,414
−HK$810/mo
Today · 4.125%
HK$27,224
baseline
▲ 0.50% · 4.625%
HK$28,880
+HK$1,656/mo
Deposit HK$3.74M · loan HK$5.62M · min. income ≈ HK$54,448/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$306,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,499
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$29,263
−HK$776/mo
Today · 4.125%
HK$30,039
baseline
▲ 0.50% · 4.625%
HK$31,622
+HK$1,583/mo
Deposit HK$3.74M · loan HK$5.62M · min. income ≈ HK$60,078/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$306,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,887
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$30,816
−HK$945/mo
Today · 4.125%
HK$31,761
baseline
▲ 0.50% · 4.625%
HK$33,693
+HK$1,932/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$63,522/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$306,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,249
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$34,140
−HK$905/mo
Today · 4.125%
HK$35,045
baseline
▲ 0.50% · 4.625%
HK$36,892
+HK$1,847/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$70,090/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$306,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,426
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$39,621
−HK$1,214/mo
Today · 4.125%
HK$40,835
baseline
▲ 0.50% · 4.625%
HK$43,320
+HK$2,485/mo
Deposit HK$936K · loan HK$8.43M · min. income ≈ HK$81,670/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$306,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,748
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$43,895
−HK$1,163/mo
Today · 4.125%
HK$45,058
baseline
▲ 0.50% · 4.625%
HK$47,433
+HK$2,375/mo
Deposit HK$936K · loan HK$8.43M · min. income ≈ HK$90,116/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$306,196 · 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).