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$21,327
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$21,990
−HK$674/mo
Today · 4.125%
HK$22,664
baseline
▲ 0.50% · 4.625%
HK$24,043
+HK$1,379/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$45,328/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$305,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,726
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$24,362
−HK$645/mo
Today · 4.125%
HK$25,007
baseline
▲ 0.50% · 4.625%
HK$26,326
+HK$1,319/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$50,014/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$305,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,592
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$26,388
−HK$809/mo
Today · 4.125%
HK$27,197
baseline
▲ 0.50% · 4.625%
HK$28,852
+HK$1,655/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$54,394/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$305,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,471
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$29,234
−HK$775/mo
Today · 4.125%
HK$30,009
baseline
▲ 0.50% · 4.625%
HK$31,591
+HK$1,582/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$60,018/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$305,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,857
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$30,786
−HK$943/mo
Today · 4.125%
HK$31,729
baseline
▲ 0.50% · 4.625%
HK$33,660
+HK$1,931/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$63,458/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$305,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,216
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$34,107
−HK$903/mo
Today · 4.125%
HK$35,010
baseline
▲ 0.50% · 4.625%
HK$36,856
+HK$1,846/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$70,020/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$305,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,388
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$39,582
−HK$1,213/mo
Today · 4.125%
HK$40,795
baseline
▲ 0.50% · 4.625%
HK$43,277
+HK$2,482/mo
Deposit HK$935K · loan HK$8.42M · min. income ≈ HK$81,590/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$305,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,706
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$43,851
−HK$1,162/mo
Today · 4.125%
HK$45,013
baseline
▲ 0.50% · 4.625%
HK$47,386
+HK$2,373/mo
Deposit HK$935K · loan HK$8.42M · min. income ≈ HK$90,026/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$305,269 · 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).