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$21,319
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$21,982
−HK$674/mo
Today · 4.125%
HK$22,656
baseline
▲ 0.50% · 4.625%
HK$24,034
+HK$1,378/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$45,312/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$304,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,717
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$24,353
−HK$646/mo
Today · 4.125%
HK$24,999
baseline
▲ 0.50% · 4.625%
HK$26,316
+HK$1,317/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$49,998/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$304,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,583
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$26,379
−HK$808/mo
Today · 4.125%
HK$27,187
baseline
▲ 0.50% · 4.625%
HK$28,841
+HK$1,654/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$54,374/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$304,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,461
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$29,224
−HK$774/mo
Today · 4.125%
HK$29,998
baseline
▲ 0.50% · 4.625%
HK$31,580
+HK$1,582/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$59,996/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$304,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,847
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$30,775
−HK$943/mo
Today · 4.125%
HK$31,718
baseline
▲ 0.50% · 4.625%
HK$33,648
+HK$1,930/mo
Deposit HK$2.80M · loan HK$6.54M · min. income ≈ HK$63,436/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$304,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,204
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$34,095
−HK$903/mo
Today · 4.125%
HK$34,998
baseline
▲ 0.50% · 4.625%
HK$36,843
+HK$1,845/mo
Deposit HK$2.80M · loan HK$6.54M · min. income ≈ HK$69,996/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$304,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,374
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$39,568
−HK$1,213/mo
Today · 4.125%
HK$40,781
baseline
▲ 0.50% · 4.625%
HK$43,262
+HK$2,481/mo
Deposit HK$935K · loan HK$8.41M · min. income ≈ HK$81,562/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$304,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,691
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$43,836
−HK$1,161/mo
Today · 4.125%
HK$44,997
baseline
▲ 0.50% · 4.625%
HK$47,369
+HK$2,372/mo
Deposit HK$935K · loan HK$8.41M · min. income ≈ HK$89,994/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$304,940 · 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).