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$21,284
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$21,946
−HK$673/mo
Today · 4.125%
HK$22,619
baseline
▲ 0.50% · 4.625%
HK$23,995
+HK$1,376/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$45,238/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$303,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,679
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$24,314
−HK$644/mo
Today · 4.125%
HK$24,958
baseline
▲ 0.50% · 4.625%
HK$26,273
+HK$1,315/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$49,916/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$303,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,541
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$26,336
−HK$807/mo
Today · 4.125%
HK$27,143
baseline
▲ 0.50% · 4.625%
HK$28,794
+HK$1,651/mo
Deposit HK$3.73M · loan HK$5.60M · min. income ≈ HK$54,286/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$303,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,414
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$29,176
−HK$773/mo
Today · 4.125%
HK$29,949
baseline
▲ 0.50% · 4.625%
HK$31,528
+HK$1,579/mo
Deposit HK$3.73M · loan HK$5.60M · min. income ≈ HK$59,898/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$303,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,798
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$30,725
−HK$942/mo
Today · 4.125%
HK$31,667
baseline
▲ 0.50% · 4.625%
HK$33,594
+HK$1,927/mo
Deposit HK$2.80M · loan HK$6.53M · min. income ≈ HK$63,334/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$303,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,150
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$34,039
−HK$902/mo
Today · 4.125%
HK$34,941
baseline
▲ 0.50% · 4.625%
HK$36,783
+HK$1,842/mo
Deposit HK$2.80M · loan HK$6.53M · min. income ≈ HK$69,882/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$303,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,312
−HK$2,402/mo
▼ 0.25% · 3.875%
HK$39,504
−HK$1,210/mo
Today · 4.125%
HK$40,714
baseline
▲ 0.50% · 4.625%
HK$43,192
+HK$2,478/mo
Deposit HK$933K · loan HK$8.40M · min. income ≈ HK$81,428/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$303,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,622
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$43,765
−HK$1,159/mo
Today · 4.125%
HK$44,924
baseline
▲ 0.50% · 4.625%
HK$47,292
+HK$2,368/mo
Deposit HK$933K · loan HK$8.40M · min. income ≈ HK$89,848/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$303,420 · 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).