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$21,311
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$21,974
−HK$673/mo
Today · 4.125%
HK$22,647
baseline
▲ 0.50% · 4.625%
HK$24,025
+HK$1,378/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$45,294/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$304,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,708
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$24,344
−HK$645/mo
Today · 4.125%
HK$24,989
baseline
▲ 0.50% · 4.625%
HK$26,306
+HK$1,317/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$49,978/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$304,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,573
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$26,368
−HK$809/mo
Today · 4.125%
HK$27,177
baseline
▲ 0.50% · 4.625%
HK$28,830
+HK$1,653/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$54,354/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$304,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,450
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$29,213
−HK$774/mo
Today · 4.125%
HK$29,987
baseline
▲ 0.50% · 4.625%
HK$31,567
+HK$1,580/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$59,974/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$304,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,835
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$30,763
−HK$943/mo
Today · 4.125%
HK$31,706
baseline
▲ 0.50% · 4.625%
HK$33,635
+HK$1,929/mo
Deposit HK$2.80M · loan HK$6.54M · min. income ≈ HK$63,412/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$304,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,191
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$34,081
−HK$903/mo
Today · 4.125%
HK$34,984
baseline
▲ 0.50% · 4.625%
HK$36,829
+HK$1,845/mo
Deposit HK$2.80M · loan HK$6.54M · min. income ≈ HK$69,968/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$304,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,359
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$39,553
−HK$1,212/mo
Today · 4.125%
HK$40,765
baseline
▲ 0.50% · 4.625%
HK$43,245
+HK$2,480/mo
Deposit HK$935K · loan HK$8.41M · min. income ≈ HK$81,530/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$304,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,674
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$43,819
−HK$1,161/mo
Today · 4.125%
HK$44,980
baseline
▲ 0.50% · 4.625%
HK$47,351
+HK$2,371/mo
Deposit HK$935K · loan HK$8.41M · min. income ≈ HK$89,960/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$304,578 · 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).