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$21,274
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$21,935
−HK$673/mo
Today · 4.125%
HK$22,608
baseline
▲ 0.50% · 4.625%
HK$23,983
+HK$1,375/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$45,216/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$302,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,667
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$24,301
−HK$644/mo
Today · 4.125%
HK$24,945
baseline
▲ 0.50% · 4.625%
HK$26,260
+HK$1,315/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$49,890/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$302,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,528
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$26,322
−HK$807/mo
Today · 4.125%
HK$27,129
baseline
▲ 0.50% · 4.625%
HK$28,780
+HK$1,651/mo
Deposit HK$3.73M · loan HK$5.60M · min. income ≈ HK$54,258/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$302,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,400
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$29,162
−HK$772/mo
Today · 4.125%
HK$29,934
baseline
▲ 0.50% · 4.625%
HK$31,512
+HK$1,578/mo
Deposit HK$3.73M · loan HK$5.60M · min. income ≈ HK$59,868/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$302,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,783
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$30,710
−HK$941/mo
Today · 4.125%
HK$31,651
baseline
▲ 0.50% · 4.625%
HK$33,577
+HK$1,926/mo
Deposit HK$2.80M · loan HK$6.53M · min. income ≈ HK$63,302/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$302,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,133
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$34,022
−HK$901/mo
Today · 4.125%
HK$34,923
baseline
▲ 0.50% · 4.625%
HK$36,764
+HK$1,841/mo
Deposit HK$2.80M · loan HK$6.53M · min. income ≈ HK$69,846/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$302,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,293
−HK$2,401/mo
▼ 0.25% · 3.875%
HK$39,484
−HK$1,210/mo
Today · 4.125%
HK$40,694
baseline
▲ 0.50% · 4.625%
HK$43,170
+HK$2,476/mo
Deposit HK$933K · loan HK$8.40M · min. income ≈ HK$81,388/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$302,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,600
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$43,743
−HK$1,159/mo
Today · 4.125%
HK$44,902
baseline
▲ 0.50% · 4.625%
HK$47,268
+HK$2,366/mo
Deposit HK$933K · loan HK$8.40M · min. income ≈ HK$89,804/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$302,950 · 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).