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$21,323
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$21,987
−HK$673/mo
Today · 4.125%
HK$22,660
baseline
▲ 0.50% · 4.625%
HK$24,039
+HK$1,379/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$45,320/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$305,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,722
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$24,358
−HK$646/mo
Today · 4.125%
HK$25,004
baseline
▲ 0.50% · 4.625%
HK$26,322
+HK$1,318/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$50,008/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$305,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,588
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$26,384
−HK$809/mo
Today · 4.125%
HK$27,193
baseline
▲ 0.50% · 4.625%
HK$28,847
+HK$1,654/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$54,386/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$305,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,466
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$29,230
−HK$774/mo
Today · 4.125%
HK$30,004
baseline
▲ 0.50% · 4.625%
HK$31,586
+HK$1,582/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$60,008/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$305,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,853
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$30,781
−HK$944/mo
Today · 4.125%
HK$31,725
baseline
▲ 0.50% · 4.625%
HK$33,655
+HK$1,930/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$63,450/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$305,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,211
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$34,101
−HK$904/mo
Today · 4.125%
HK$35,005
baseline
▲ 0.50% · 4.625%
HK$36,850
+HK$1,845/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$70,010/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$305,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,382
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$39,576
−HK$1,213/mo
Today · 4.125%
HK$40,789
baseline
▲ 0.50% · 4.625%
HK$43,271
+HK$2,482/mo
Deposit HK$935K · loan HK$8.42M · min. income ≈ HK$81,578/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$305,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,700
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$43,845
−HK$1,161/mo
Today · 4.125%
HK$45,006
baseline
▲ 0.50% · 4.625%
HK$47,379
+HK$2,373/mo
Deposit HK$935K · loan HK$8.42M · min. income ≈ HK$90,012/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$305,128 · 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).