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$21,337
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$22,000
−HK$675/mo
Today · 4.125%
HK$22,675
baseline
▲ 0.50% · 4.625%
HK$24,054
+HK$1,379/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$45,350/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$305,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,737
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$24,374
−HK$645/mo
Today · 4.125%
HK$25,019
baseline
▲ 0.50% · 4.625%
HK$26,338
+HK$1,319/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$50,038/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$305,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,604
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$26,401
−HK$809/mo
Today · 4.125%
HK$27,210
baseline
▲ 0.50% · 4.625%
HK$28,865
+HK$1,655/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$54,420/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$305,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,484
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$29,248
−HK$775/mo
Today · 4.125%
HK$30,023
baseline
▲ 0.50% · 4.625%
HK$31,606
+HK$1,583/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$60,046/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$305,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,871
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$30,801
−HK$944/mo
Today · 4.125%
HK$31,745
baseline
▲ 0.50% · 4.625%
HK$33,676
+HK$1,931/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$63,490/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$305,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,232
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$34,123
−HK$904/mo
Today · 4.125%
HK$35,027
baseline
▲ 0.50% · 4.625%
HK$36,873
+HK$1,846/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$70,054/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$305,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,406
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$39,601
−HK$1,214/mo
Today · 4.125%
HK$40,815
baseline
▲ 0.50% · 4.625%
HK$43,298
+HK$2,483/mo
Deposit HK$936K · loan HK$8.42M · min. income ≈ HK$81,630/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$305,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,726
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$43,872
−HK$1,163/mo
Today · 4.125%
HK$45,035
baseline
▲ 0.50% · 4.625%
HK$47,409
+HK$2,374/mo
Deposit HK$936K · loan HK$8.42M · min. income ≈ HK$90,070/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$305,718 · 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).