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$21,288
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$21,950
−HK$673/mo
Today · 4.125%
HK$22,623
baseline
▲ 0.50% · 4.625%
HK$24,000
+HK$1,377/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$45,246/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$303,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,683
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$24,318
−HK$644/mo
Today · 4.125%
HK$24,962
baseline
▲ 0.50% · 4.625%
HK$26,278
+HK$1,316/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$49,924/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$303,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,546
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$26,340
−HK$808/mo
Today · 4.125%
HK$27,148
baseline
▲ 0.50% · 4.625%
HK$28,800
+HK$1,652/mo
Deposit HK$3.73M · loan HK$5.60M · min. income ≈ HK$54,296/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$303,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,419
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$29,182
−HK$773/mo
Today · 4.125%
HK$29,955
baseline
▲ 0.50% · 4.625%
HK$31,534
+HK$1,579/mo
Deposit HK$3.73M · loan HK$5.60M · min. income ≈ HK$59,910/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$303,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,803
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$30,730
−HK$942/mo
Today · 4.125%
HK$31,672
baseline
▲ 0.50% · 4.625%
HK$33,600
+HK$1,928/mo
Deposit HK$2.80M · loan HK$6.54M · min. income ≈ HK$63,344/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$303,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,156
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$34,045
−HK$902/mo
Today · 4.125%
HK$34,947
baseline
▲ 0.50% · 4.625%
HK$36,789
+HK$1,842/mo
Deposit HK$2.80M · loan HK$6.54M · min. income ≈ HK$69,894/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$303,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,319
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$39,511
−HK$1,211/mo
Today · 4.125%
HK$40,722
baseline
▲ 0.50% · 4.625%
HK$43,199
+HK$2,477/mo
Deposit HK$934K · loan HK$8.40M · min. income ≈ HK$81,444/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$303,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,629
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$43,772
−HK$1,160/mo
Today · 4.125%
HK$44,932
baseline
▲ 0.50% · 4.625%
HK$47,301
+HK$2,369/mo
Deposit HK$934K · loan HK$8.40M · min. income ≈ HK$89,864/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$303,586 · 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).