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$21,275
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$21,936
−HK$673/mo
Today · 4.125%
HK$22,609
baseline
▲ 0.50% · 4.625%
HK$23,984
+HK$1,375/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$45,218/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$302,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,668
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$24,303
−HK$643/mo
Today · 4.125%
HK$24,946
baseline
▲ 0.50% · 4.625%
HK$26,261
+HK$1,315/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$49,892/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$302,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,530
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$26,324
−HK$806/mo
Today · 4.125%
HK$27,130
baseline
▲ 0.50% · 4.625%
HK$28,781
+HK$1,651/mo
Deposit HK$3.73M · loan HK$5.60M · min. income ≈ HK$54,260/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$302,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,401
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$29,163
−HK$773/mo
Today · 4.125%
HK$29,936
baseline
▲ 0.50% · 4.625%
HK$31,514
+HK$1,578/mo
Deposit HK$3.73M · loan HK$5.60M · min. income ≈ HK$59,872/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$302,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,784
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$30,711
−HK$941/mo
Today · 4.125%
HK$31,652
baseline
▲ 0.50% · 4.625%
HK$33,578
+HK$1,926/mo
Deposit HK$2.80M · loan HK$6.53M · min. income ≈ HK$63,304/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$302,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,135
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$34,024
−HK$901/mo
Today · 4.125%
HK$34,925
baseline
▲ 0.50% · 4.625%
HK$36,766
+HK$1,841/mo
Deposit HK$2.80M · loan HK$6.53M · min. income ≈ HK$69,850/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$302,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,294
−HK$2,402/mo
▼ 0.25% · 3.875%
HK$39,485
−HK$1,211/mo
Today · 4.125%
HK$40,696
baseline
▲ 0.50% · 4.625%
HK$43,172
+HK$2,476/mo
Deposit HK$933K · loan HK$8.40M · min. income ≈ HK$81,392/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$302,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,602
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$43,745
−HK$1,159/mo
Today · 4.125%
HK$44,904
baseline
▲ 0.50% · 4.625%
HK$47,271
+HK$2,367/mo
Deposit HK$933K · loan HK$8.40M · min. income ≈ HK$89,808/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$302,992 · 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).