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$21,336
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$22,000
−HK$674/mo
Today · 4.125%
HK$22,674
baseline
▲ 0.50% · 4.625%
HK$24,054
+HK$1,380/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$45,348/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$305,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,736
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$24,373
−HK$646/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$305,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,603
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$26,400
−HK$809/mo
Today · 4.125%
HK$27,209
baseline
▲ 0.50% · 4.625%
HK$28,865
+HK$1,656/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$54,418/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$305,695 · 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$31,605
+HK$1,582/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$305,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,871
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$30,800
−HK$944/mo
Today · 4.125%
HK$31,744
baseline
▲ 0.50% · 4.625%
HK$33,675
+HK$1,931/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$63,488/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$305,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,231
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$34,122
−HK$904/mo
Today · 4.125%
HK$35,026
baseline
▲ 0.50% · 4.625%
HK$36,873
+HK$1,847/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$70,052/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$305,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,405
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$39,600
−HK$1,214/mo
Today · 4.125%
HK$40,814
baseline
▲ 0.50% · 4.625%
HK$43,297
+HK$2,483/mo
Deposit HK$936K · loan HK$8.42M · min. income ≈ HK$81,628/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$305,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,725
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$43,871
−HK$1,163/mo
Today · 4.125%
HK$45,034
baseline
▲ 0.50% · 4.625%
HK$47,408
+HK$2,374/mo
Deposit HK$936K · loan HK$8.42M · min. income ≈ HK$90,068/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$305,695 · 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).