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$21,285
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$21,947
−HK$673/mo
Today · 4.125%
HK$22,620
baseline
▲ 0.50% · 4.625%
HK$23,996
+HK$1,376/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$45,240/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$303,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,680
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$24,315
−HK$644/mo
Today · 4.125%
HK$24,959
baseline
▲ 0.50% · 4.625%
HK$26,275
+HK$1,316/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$49,918/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$303,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,542
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$26,337
−HK$807/mo
Today · 4.125%
HK$27,144
baseline
▲ 0.50% · 4.625%
HK$28,796
+HK$1,652/mo
Deposit HK$3.73M · loan HK$5.60M · min. income ≈ HK$54,288/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$303,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,416
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$29,178
−HK$773/mo
Today · 4.125%
HK$29,951
baseline
▲ 0.50% · 4.625%
HK$31,529
+HK$1,578/mo
Deposit HK$3.73M · loan HK$5.60M · min. income ≈ HK$59,902/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$303,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,799
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$30,726
−HK$942/mo
Today · 4.125%
HK$31,668
baseline
▲ 0.50% · 4.625%
HK$33,595
+HK$1,927/mo
Deposit HK$2.80M · loan HK$6.53M · min. income ≈ HK$63,336/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$303,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,151
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$34,041
−HK$902/mo
Today · 4.125%
HK$34,943
baseline
▲ 0.50% · 4.625%
HK$36,784
+HK$1,841/mo
Deposit HK$2.80M · loan HK$6.53M · min. income ≈ HK$69,886/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$303,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,313
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$39,505
−HK$1,211/mo
Today · 4.125%
HK$40,716
baseline
▲ 0.50% · 4.625%
HK$43,193
+HK$2,477/mo
Deposit HK$933K · loan HK$8.40M · min. income ≈ HK$81,432/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$303,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,623
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$43,766
−HK$1,160/mo
Today · 4.125%
HK$44,926
baseline
▲ 0.50% · 4.625%
HK$47,294
+HK$2,368/mo
Deposit HK$933K · loan HK$8.40M · min. income ≈ HK$89,852/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$303,458 · 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).