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$21,313
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$21,976
−HK$673/mo
Today · 4.125%
HK$22,649
baseline
▲ 0.50% · 4.625%
HK$24,028
+HK$1,379/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$45,298/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$304,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,710
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$24,346
−HK$645/mo
Today · 4.125%
HK$24,991
baseline
▲ 0.50% · 4.625%
HK$26,309
+HK$1,318/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$49,982/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$304,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,575
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$26,371
−HK$808/mo
Today · 4.125%
HK$27,179
baseline
▲ 0.50% · 4.625%
HK$28,833
+HK$1,654/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$54,358/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$304,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,452
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$29,215
−HK$775/mo
Today · 4.125%
HK$29,990
baseline
▲ 0.50% · 4.625%
HK$31,570
+HK$1,580/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$59,980/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$304,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,838
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$30,766
−HK$943/mo
Today · 4.125%
HK$31,709
baseline
▲ 0.50% · 4.625%
HK$33,639
+HK$1,930/mo
Deposit HK$2.80M · loan HK$6.54M · min. income ≈ HK$63,418/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$304,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,194
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$34,085
−HK$903/mo
Today · 4.125%
HK$34,988
baseline
▲ 0.50% · 4.625%
HK$36,832
+HK$1,844/mo
Deposit HK$2.80M · loan HK$6.54M · min. income ≈ HK$69,976/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$304,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,363
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$39,556
−HK$1,213/mo
Today · 4.125%
HK$40,769
baseline
▲ 0.50% · 4.625%
HK$43,250
+HK$2,481/mo
Deposit HK$935K · loan HK$8.41M · min. income ≈ HK$81,538/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$304,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,679
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$43,823
−HK$1,161/mo
Today · 4.125%
HK$44,984
baseline
▲ 0.50% · 4.625%
HK$47,356
+HK$2,372/mo
Deposit HK$935K · loan HK$8.41M · min. income ≈ HK$89,968/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$304,669 · 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).