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$21,347
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$22,011
−HK$674/mo
Today · 4.125%
HK$22,685
baseline
▲ 0.50% · 4.625%
HK$24,066
+HK$1,381/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$45,370/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$306,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,748
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$24,385
−HK$646/mo
Today · 4.125%
HK$25,031
baseline
▲ 0.50% · 4.625%
HK$26,350
+HK$1,319/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$50,062/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$306,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,616
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$26,413
−HK$809/mo
Today · 4.125%
HK$27,222
baseline
▲ 0.50% · 4.625%
HK$28,879
+HK$1,657/mo
Deposit HK$3.74M · loan HK$5.62M · min. income ≈ HK$54,444/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$306,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,498
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$29,262
−HK$775/mo
Today · 4.125%
HK$30,037
baseline
▲ 0.50% · 4.625%
HK$31,621
+HK$1,584/mo
Deposit HK$3.74M · loan HK$5.62M · min. income ≈ HK$60,074/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$306,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,885
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$30,815
−HK$945/mo
Today · 4.125%
HK$31,760
baseline
▲ 0.50% · 4.625%
HK$33,692
+HK$1,932/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$63,520/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$306,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,247
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$34,139
−HK$905/mo
Today · 4.125%
HK$35,044
baseline
▲ 0.50% · 4.625%
HK$36,891
+HK$1,847/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$70,088/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$306,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,424
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$39,619
−HK$1,215/mo
Today · 4.125%
HK$40,834
baseline
▲ 0.50% · 4.625%
HK$43,318
+HK$2,484/mo
Deposit HK$936K · loan HK$8.43M · min. income ≈ HK$81,668/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$306,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,746
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$43,893
−HK$1,163/mo
Today · 4.125%
HK$45,056
baseline
▲ 0.50% · 4.625%
HK$47,431
+HK$2,375/mo
Deposit HK$936K · loan HK$8.43M · min. income ≈ HK$90,112/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$306,156 · 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).