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$21,315
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$21,978
−HK$673/mo
Today · 4.125%
HK$22,651
baseline
▲ 0.50% · 4.625%
HK$24,029
+HK$1,378/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$45,302/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$304,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,712
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$24,348
−HK$645/mo
Today · 4.125%
HK$24,993
baseline
▲ 0.50% · 4.625%
HK$26,311
+HK$1,318/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$49,986/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$304,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,577
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$26,373
−HK$808/mo
Today · 4.125%
HK$27,181
baseline
▲ 0.50% · 4.625%
HK$28,835
+HK$1,654/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$54,362/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$304,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,455
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$29,218
−HK$774/mo
Today · 4.125%
HK$29,992
baseline
▲ 0.50% · 4.625%
HK$31,573
+HK$1,581/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$59,984/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$304,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,840
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$30,769
−HK$943/mo
Today · 4.125%
HK$31,712
baseline
▲ 0.50% · 4.625%
HK$33,641
+HK$1,929/mo
Deposit HK$2.80M · loan HK$6.54M · min. income ≈ HK$63,424/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$304,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,197
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$34,087
−HK$904/mo
Today · 4.125%
HK$34,991
baseline
▲ 0.50% · 4.625%
HK$36,835
+HK$1,844/mo
Deposit HK$2.80M · loan HK$6.54M · min. income ≈ HK$69,982/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$304,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,366
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$39,560
−HK$1,212/mo
Today · 4.125%
HK$40,772
baseline
▲ 0.50% · 4.625%
HK$43,253
+HK$2,481/mo
Deposit HK$935K · loan HK$8.41M · min. income ≈ HK$81,544/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$304,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,682
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$43,827
−HK$1,161/mo
Today · 4.125%
HK$44,988
baseline
▲ 0.50% · 4.625%
HK$47,359
+HK$2,371/mo
Deposit HK$935K · loan HK$8.41M · min. income ≈ HK$89,976/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$304,745 · 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).