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$21,337
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$22,001
−HK$674/mo
Today · 4.125%
HK$22,675
baseline
▲ 0.50% · 4.625%
HK$24,055
+HK$1,380/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$45,350/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$305,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,737
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$24,374
−HK$646/mo
Today · 4.125%
HK$25,020
baseline
▲ 0.50% · 4.625%
HK$26,339
+HK$1,319/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$50,040/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$305,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,605
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$26,401
−HK$809/mo
Today · 4.125%
HK$27,210
baseline
▲ 0.50% · 4.625%
HK$28,866
+HK$1,656/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$54,420/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$305,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,485
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$29,249
−HK$775/mo
Today · 4.125%
HK$30,024
baseline
▲ 0.50% · 4.625%
HK$31,606
+HK$1,582/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$60,048/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$305,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,872
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$30,801
−HK$944/mo
Today · 4.125%
HK$31,745
baseline
▲ 0.50% · 4.625%
HK$33,677
+HK$1,932/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$63,490/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$305,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,232
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$34,124
−HK$904/mo
Today · 4.125%
HK$35,028
baseline
▲ 0.50% · 4.625%
HK$36,874
+HK$1,846/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$70,056/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$305,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,407
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$39,602
−HK$1,213/mo
Today · 4.125%
HK$40,815
baseline
▲ 0.50% · 4.625%
HK$43,299
+HK$2,484/mo
Deposit HK$936K · loan HK$8.42M · min. income ≈ HK$81,630/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$305,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,727
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$43,873
−HK$1,163/mo
Today · 4.125%
HK$45,036
baseline
▲ 0.50% · 4.625%
HK$47,410
+HK$2,374/mo
Deposit HK$936K · loan HK$8.42M · min. income ≈ HK$90,072/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$305,738 · 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).