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$21,305
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$21,968
−HK$673/mo
Today · 4.125%
HK$22,641
baseline
▲ 0.50% · 4.625%
HK$24,019
+HK$1,378/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$45,282/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$304,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,702
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$24,338
−HK$644/mo
Today · 4.125%
HK$24,982
baseline
▲ 0.50% · 4.625%
HK$26,299
+HK$1,317/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$49,964/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$304,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,566
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$26,362
−HK$807/mo
Today · 4.125%
HK$27,169
baseline
▲ 0.50% · 4.625%
HK$28,823
+HK$1,654/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$54,338/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$304,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,442
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$29,205
−HK$774/mo
Today · 4.125%
HK$29,979
baseline
▲ 0.50% · 4.625%
HK$31,559
+HK$1,580/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$59,958/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$304,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,827
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$30,755
−HK$943/mo
Today · 4.125%
HK$31,698
baseline
▲ 0.50% · 4.625%
HK$33,626
+HK$1,928/mo
Deposit HK$2.80M · loan HK$6.54M · min. income ≈ HK$63,396/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$304,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,183
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$34,073
−HK$902/mo
Today · 4.125%
HK$34,975
baseline
▲ 0.50% · 4.625%
HK$36,819
+HK$1,844/mo
Deposit HK$2.80M · loan HK$6.54M · min. income ≈ HK$69,950/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$304,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,349
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$39,542
−HK$1,212/mo
Today · 4.125%
HK$40,754
baseline
▲ 0.50% · 4.625%
HK$43,234
+HK$2,480/mo
Deposit HK$934K · loan HK$8.41M · min. income ≈ HK$81,508/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$304,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,663
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$43,808
−HK$1,160/mo
Today · 4.125%
HK$44,968
baseline
▲ 0.50% · 4.625%
HK$47,339
+HK$2,371/mo
Deposit HK$934K · loan HK$8.41M · min. income ≈ HK$89,936/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$304,335 · 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).