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$21,281
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$21,942
−HK$673/mo
Today · 4.125%
HK$22,615
baseline
▲ 0.50% · 4.625%
HK$23,991
+HK$1,376/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$45,230/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$303,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,674
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$24,309
−HK$644/mo
Today · 4.125%
HK$24,953
baseline
▲ 0.50% · 4.625%
HK$26,269
+HK$1,316/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$49,906/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$303,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,537
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$26,331
−HK$807/mo
Today · 4.125%
HK$27,138
baseline
▲ 0.50% · 4.625%
HK$28,789
+HK$1,651/mo
Deposit HK$3.73M · loan HK$5.60M · min. income ≈ HK$54,276/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$303,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,409
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$29,171
−HK$773/mo
Today · 4.125%
HK$29,944
baseline
▲ 0.50% · 4.625%
HK$31,523
+HK$1,579/mo
Deposit HK$3.73M · loan HK$5.60M · min. income ≈ HK$59,888/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$303,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,793
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$30,719
−HK$942/mo
Today · 4.125%
HK$31,661
baseline
▲ 0.50% · 4.625%
HK$33,588
+HK$1,927/mo
Deposit HK$2.80M · loan HK$6.53M · min. income ≈ HK$63,322/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$303,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,144
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$34,033
−HK$902/mo
Today · 4.125%
HK$34,935
baseline
▲ 0.50% · 4.625%
HK$36,776
+HK$1,841/mo
Deposit HK$2.80M · loan HK$6.53M · min. income ≈ HK$69,870/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$303,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,305
−HK$2,402/mo
▼ 0.25% · 3.875%
HK$39,496
−HK$1,211/mo
Today · 4.125%
HK$40,707
baseline
▲ 0.50% · 4.625%
HK$43,184
+HK$2,477/mo
Deposit HK$933K · loan HK$8.40M · min. income ≈ HK$81,414/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$303,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,614
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$43,757
−HK$1,159/mo
Today · 4.125%
HK$44,916
baseline
▲ 0.50% · 4.625%
HK$47,284
+HK$2,368/mo
Deposit HK$933K · loan HK$8.40M · min. income ≈ HK$89,832/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$303,253 · 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).