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$21,291
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$21,954
−HK$672/mo
Today · 4.125%
HK$22,626
baseline
▲ 0.50% · 4.625%
HK$24,003
+HK$1,377/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$45,252/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$303,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,686
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$24,322
−HK$644/mo
Today · 4.125%
HK$24,966
baseline
▲ 0.50% · 4.625%
HK$26,282
+HK$1,316/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$49,932/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$303,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,549
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$26,344
−HK$808/mo
Today · 4.125%
HK$27,152
baseline
▲ 0.50% · 4.625%
HK$28,804
+HK$1,652/mo
Deposit HK$3.73M · loan HK$5.60M · min. income ≈ HK$54,304/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$303,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,424
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$29,186
−HK$773/mo
Today · 4.125%
HK$29,959
baseline
▲ 0.50% · 4.625%
HK$31,538
+HK$1,579/mo
Deposit HK$3.73M · loan HK$5.60M · min. income ≈ HK$59,918/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$303,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,808
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$30,735
−HK$942/mo
Today · 4.125%
HK$31,677
baseline
▲ 0.50% · 4.625%
HK$33,604
+HK$1,927/mo
Deposit HK$2.80M · loan HK$6.54M · min. income ≈ HK$63,354/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$303,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,161
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$34,050
−HK$902/mo
Today · 4.125%
HK$34,952
baseline
▲ 0.50% · 4.625%
HK$36,795
+HK$1,843/mo
Deposit HK$2.80M · loan HK$6.54M · min. income ≈ HK$69,904/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$303,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,324
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$39,516
−HK$1,212/mo
Today · 4.125%
HK$40,728
baseline
▲ 0.50% · 4.625%
HK$43,206
+HK$2,478/mo
Deposit HK$934K · loan HK$8.40M · min. income ≈ HK$81,456/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$303,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,635
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$43,779
−HK$1,160/mo
Today · 4.125%
HK$44,939
baseline
▲ 0.50% · 4.625%
HK$47,308
+HK$2,369/mo
Deposit HK$934K · loan HK$8.40M · min. income ≈ HK$89,878/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$303,722 · 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).