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$21,308
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$21,971
−HK$673/mo
Today · 4.125%
HK$22,644
baseline
▲ 0.50% · 4.625%
HK$24,022
+HK$1,378/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$45,288/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$304,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,705
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$24,340
−HK$645/mo
Today · 4.125%
HK$24,985
baseline
▲ 0.50% · 4.625%
HK$26,302
+HK$1,317/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$49,970/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$304,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,569
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$26,365
−HK$808/mo
Today · 4.125%
HK$27,173
baseline
▲ 0.50% · 4.625%
HK$28,826
+HK$1,653/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$54,346/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$304,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,446
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$29,208
−HK$774/mo
Today · 4.125%
HK$29,982
baseline
▲ 0.50% · 4.625%
HK$31,563
+HK$1,581/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$59,964/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$304,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,831
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$30,759
−HK$943/mo
Today · 4.125%
HK$31,702
baseline
▲ 0.50% · 4.625%
HK$33,630
+HK$1,928/mo
Deposit HK$2.80M · loan HK$6.54M · min. income ≈ HK$63,404/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$304,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,187
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$34,077
−HK$902/mo
Today · 4.125%
HK$34,979
baseline
▲ 0.50% · 4.625%
HK$36,823
+HK$1,844/mo
Deposit HK$2.80M · loan HK$6.54M · min. income ≈ HK$69,958/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$304,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,354
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$39,547
−HK$1,212/mo
Today · 4.125%
HK$40,759
baseline
▲ 0.50% · 4.625%
HK$43,239
+HK$2,480/mo
Deposit HK$934K · loan HK$8.41M · min. income ≈ HK$81,518/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$304,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,668
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$43,813
−HK$1,161/mo
Today · 4.125%
HK$44,974
baseline
▲ 0.50% · 4.625%
HK$47,344
+HK$2,370/mo
Deposit HK$934K · loan HK$8.41M · min. income ≈ HK$89,948/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$304,446 · 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).