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$21,341
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$22,005
−HK$675/mo
Today · 4.125%
HK$22,680
baseline
▲ 0.50% · 4.625%
HK$24,059
+HK$1,379/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$45,360/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$305,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,742
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$24,379
−HK$646/mo
Today · 4.125%
HK$25,025
baseline
▲ 0.50% · 4.625%
HK$26,344
+HK$1,319/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$50,050/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$305,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,609
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$26,406
−HK$809/mo
Today · 4.125%
HK$27,215
baseline
▲ 0.50% · 4.625%
HK$28,871
+HK$1,656/mo
Deposit HK$3.74M · loan HK$5.62M · min. income ≈ HK$54,430/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$305,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,490
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$29,254
−HK$776/mo
Today · 4.125%
HK$30,030
baseline
▲ 0.50% · 4.625%
HK$31,612
+HK$1,582/mo
Deposit HK$3.74M · loan HK$5.62M · min. income ≈ HK$60,060/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$305,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,878
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$30,807
−HK$944/mo
Today · 4.125%
HK$31,751
baseline
▲ 0.50% · 4.625%
HK$33,683
+HK$1,932/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$63,502/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$305,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,239
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$34,130
−HK$904/mo
Today · 4.125%
HK$35,034
baseline
▲ 0.50% · 4.625%
HK$36,881
+HK$1,847/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$70,068/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$305,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,414
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$39,609
−HK$1,214/mo
Today · 4.125%
HK$40,823
baseline
▲ 0.50% · 4.625%
HK$43,307
+HK$2,484/mo
Deposit HK$936K · loan HK$8.42M · min. income ≈ HK$81,646/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$305,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,735
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$43,882
−HK$1,162/mo
Today · 4.125%
HK$45,044
baseline
▲ 0.50% · 4.625%
HK$47,419
+HK$2,375/mo
Deposit HK$936K · loan HK$8.42M · min. income ≈ HK$90,088/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$305,914 · 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).