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$21,276
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$21,938
−HK$672/mo
Today · 4.125%
HK$22,610
baseline
▲ 0.50% · 4.625%
HK$23,986
+HK$1,376/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$45,220/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$303,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,670
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$24,304
−HK$644/mo
Today · 4.125%
HK$24,948
baseline
▲ 0.50% · 4.625%
HK$26,263
+HK$1,315/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$49,896/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$303,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,532
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$26,326
−HK$807/mo
Today · 4.125%
HK$27,133
baseline
▲ 0.50% · 4.625%
HK$28,784
+HK$1,651/mo
Deposit HK$3.73M · loan HK$5.60M · min. income ≈ HK$54,266/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$303,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,404
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$29,165
−HK$773/mo
Today · 4.125%
HK$29,938
baseline
▲ 0.50% · 4.625%
HK$31,516
+HK$1,578/mo
Deposit HK$3.73M · loan HK$5.60M · min. income ≈ HK$59,876/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$303,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,787
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$30,713
−HK$942/mo
Today · 4.125%
HK$31,655
baseline
▲ 0.50% · 4.625%
HK$33,581
+HK$1,926/mo
Deposit HK$2.80M · loan HK$6.53M · min. income ≈ HK$63,310/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$303,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,137
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$34,026
−HK$902/mo
Today · 4.125%
HK$34,928
baseline
▲ 0.50% · 4.625%
HK$36,769
+HK$1,841/mo
Deposit HK$2.80M · loan HK$6.53M · min. income ≈ HK$69,856/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$303,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,297
−HK$2,402/mo
▼ 0.25% · 3.875%
HK$39,489
−HK$1,210/mo
Today · 4.125%
HK$40,699
baseline
▲ 0.50% · 4.625%
HK$43,175
+HK$2,476/mo
Deposit HK$933K · loan HK$8.40M · min. income ≈ HK$81,398/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$303,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,605
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$43,748
−HK$1,159/mo
Today · 4.125%
HK$44,907
baseline
▲ 0.50% · 4.625%
HK$47,274
+HK$2,367/mo
Deposit HK$933K · loan HK$8.40M · min. income ≈ HK$89,814/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$303,065 · 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).