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$21,302
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$21,965
−HK$673/mo
Today · 4.125%
HK$22,638
baseline
▲ 0.50% · 4.625%
HK$24,015
+HK$1,377/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$45,276/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$304,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,698
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$24,334
−HK$645/mo
Today · 4.125%
HK$24,979
baseline
▲ 0.50% · 4.625%
HK$26,295
+HK$1,316/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$49,958/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$304,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,563
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$26,358
−HK$808/mo
Today · 4.125%
HK$27,166
baseline
▲ 0.50% · 4.625%
HK$28,819
+HK$1,653/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$54,332/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$304,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,438
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$29,201
−HK$774/mo
Today · 4.125%
HK$29,975
baseline
▲ 0.50% · 4.625%
HK$31,555
+HK$1,580/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$59,950/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$304,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,823
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$30,751
−HK$942/mo
Today · 4.125%
HK$31,693
baseline
▲ 0.50% · 4.625%
HK$33,622
+HK$1,929/mo
Deposit HK$2.80M · loan HK$6.54M · min. income ≈ HK$63,386/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$304,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,178
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$34,068
−HK$902/mo
Today · 4.125%
HK$34,970
baseline
▲ 0.50% · 4.625%
HK$36,814
+HK$1,844/mo
Deposit HK$2.80M · loan HK$6.54M · min. income ≈ HK$69,940/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$304,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,344
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$39,537
−HK$1,211/mo
Today · 4.125%
HK$40,748
baseline
▲ 0.50% · 4.625%
HK$43,228
+HK$2,480/mo
Deposit HK$934K · loan HK$8.41M · min. income ≈ HK$81,496/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$304,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,657
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$43,801
−HK$1,161/mo
Today · 4.125%
HK$44,962
baseline
▲ 0.50% · 4.625%
HK$47,332
+HK$2,370/mo
Deposit HK$934K · loan HK$8.41M · min. income ≈ HK$89,924/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$304,199 · 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).