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$21,346
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$22,010
−HK$675/mo
Today · 4.125%
HK$22,685
baseline
▲ 0.50% · 4.625%
HK$24,065
+HK$1,380/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$45,370/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$306,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,747
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$24,384
−HK$646/mo
Today · 4.125%
HK$25,030
baseline
▲ 0.50% · 4.625%
HK$26,350
+HK$1,320/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$50,060/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$306,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,615
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$26,412
−HK$809/mo
Today · 4.125%
HK$27,221
baseline
▲ 0.50% · 4.625%
HK$28,878
+HK$1,657/mo
Deposit HK$3.74M · loan HK$5.62M · min. income ≈ HK$54,442/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$306,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,497
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$29,261
−HK$775/mo
Today · 4.125%
HK$30,036
baseline
▲ 0.50% · 4.625%
HK$31,619
+HK$1,583/mo
Deposit HK$3.74M · loan HK$5.62M · min. income ≈ HK$60,072/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$306,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,884
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$30,814
−HK$944/mo
Today · 4.125%
HK$31,758
baseline
▲ 0.50% · 4.625%
HK$33,691
+HK$1,933/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$63,516/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$306,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,246
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$34,138
−HK$904/mo
Today · 4.125%
HK$35,042
baseline
▲ 0.50% · 4.625%
HK$36,889
+HK$1,847/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$70,084/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$306,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,423
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$39,618
−HK$1,214/mo
Today · 4.125%
HK$40,832
baseline
▲ 0.50% · 4.625%
HK$43,317
+HK$2,485/mo
Deposit HK$936K · loan HK$8.43M · min. income ≈ HK$81,664/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$306,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,745
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$43,891
−HK$1,163/mo
Today · 4.125%
HK$45,054
baseline
▲ 0.50% · 4.625%
HK$47,429
+HK$2,375/mo
Deposit HK$936K · loan HK$8.43M · min. income ≈ HK$90,108/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$306,121 · 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).