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$21,323
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$21,986
−HK$674/mo
Today · 4.125%
HK$22,660
baseline
▲ 0.50% · 4.625%
HK$24,038
+HK$1,378/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$45,320/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$305,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,721
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$24,357
−HK$646/mo
Today · 4.125%
HK$25,003
baseline
▲ 0.50% · 4.625%
HK$26,321
+HK$1,318/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$50,006/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$305,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,587
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$26,383
−HK$809/mo
Today · 4.125%
HK$27,192
baseline
▲ 0.50% · 4.625%
HK$28,846
+HK$1,654/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$54,384/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$305,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,465
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$29,229
−HK$774/mo
Today · 4.125%
HK$30,003
baseline
▲ 0.50% · 4.625%
HK$31,585
+HK$1,582/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$60,006/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$305,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,852
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$30,780
−HK$944/mo
Today · 4.125%
HK$31,724
baseline
▲ 0.50% · 4.625%
HK$33,654
+HK$1,930/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$63,448/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$305,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,210
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$34,100
−HK$904/mo
Today · 4.125%
HK$35,004
baseline
▲ 0.50% · 4.625%
HK$36,849
+HK$1,845/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$70,008/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$305,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,381
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$39,575
−HK$1,212/mo
Today · 4.125%
HK$40,787
baseline
▲ 0.50% · 4.625%
HK$43,269
+HK$2,482/mo
Deposit HK$935K · loan HK$8.42M · min. income ≈ HK$81,574/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$305,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,698
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$43,843
−HK$1,162/mo
Today · 4.125%
HK$45,005
baseline
▲ 0.50% · 4.625%
HK$47,377
+HK$2,372/mo
Deposit HK$935K · loan HK$8.42M · min. income ≈ HK$90,010/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$305,097 · 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).