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$21,340
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$22,004
−HK$674/mo
Today · 4.125%
HK$22,678
baseline
▲ 0.50% · 4.625%
HK$24,058
+HK$1,380/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$45,356/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$305,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,741
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$24,377
−HK$646/mo
Today · 4.125%
HK$25,023
baseline
▲ 0.50% · 4.625%
HK$26,342
+HK$1,319/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$50,046/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$305,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,608
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$26,405
−HK$809/mo
Today · 4.125%
HK$27,214
baseline
▲ 0.50% · 4.625%
HK$28,870
+HK$1,656/mo
Deposit HK$3.74M · loan HK$5.62M · min. income ≈ HK$54,428/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$305,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,489
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$29,253
−HK$775/mo
Today · 4.125%
HK$30,028
baseline
▲ 0.50% · 4.625%
HK$31,611
+HK$1,583/mo
Deposit HK$3.74M · loan HK$5.62M · min. income ≈ HK$60,056/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$305,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,876
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$30,805
−HK$945/mo
Today · 4.125%
HK$31,750
baseline
▲ 0.50% · 4.625%
HK$33,682
+HK$1,932/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$63,500/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$305,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,237
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$34,128
−HK$905/mo
Today · 4.125%
HK$35,033
baseline
▲ 0.50% · 4.625%
HK$36,879
+HK$1,846/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$70,066/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$305,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,412
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$39,607
−HK$1,214/mo
Today · 4.125%
HK$40,821
baseline
▲ 0.50% · 4.625%
HK$43,305
+HK$2,484/mo
Deposit HK$936K · loan HK$8.42M · min. income ≈ HK$81,642/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$305,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,733
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$43,879
−HK$1,163/mo
Today · 4.125%
HK$45,042
baseline
▲ 0.50% · 4.625%
HK$47,416
+HK$2,374/mo
Deposit HK$936K · loan HK$8.42M · min. income ≈ HK$90,084/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$305,866 · 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).