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$21,286
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$21,948
−HK$673/mo
Today · 4.125%
HK$22,621
baseline
▲ 0.50% · 4.625%
HK$23,997
+HK$1,376/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$45,242/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$303,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,680
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$24,315
−HK$645/mo
Today · 4.125%
HK$24,960
baseline
▲ 0.50% · 4.625%
HK$26,275
+HK$1,315/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$49,920/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$303,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,543
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$26,338
−HK$807/mo
Today · 4.125%
HK$27,145
baseline
▲ 0.50% · 4.625%
HK$28,797
+HK$1,652/mo
Deposit HK$3.73M · loan HK$5.60M · min. income ≈ HK$54,290/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$303,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,416
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$29,179
−HK$773/mo
Today · 4.125%
HK$29,952
baseline
▲ 0.50% · 4.625%
HK$31,530
+HK$1,578/mo
Deposit HK$3.73M · loan HK$5.60M · min. income ≈ HK$59,904/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$303,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,800
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$30,727
−HK$942/mo
Today · 4.125%
HK$31,669
baseline
▲ 0.50% · 4.625%
HK$33,596
+HK$1,927/mo
Deposit HK$2.80M · loan HK$6.53M · min. income ≈ HK$63,338/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$303,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,153
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$34,042
−HK$902/mo
Today · 4.125%
HK$34,944
baseline
▲ 0.50% · 4.625%
HK$36,786
+HK$1,842/mo
Deposit HK$2.80M · loan HK$6.53M · min. income ≈ HK$69,888/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$303,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,315
−HK$2,402/mo
▼ 0.25% · 3.875%
HK$39,506
−HK$1,211/mo
Today · 4.125%
HK$40,717
baseline
▲ 0.50% · 4.625%
HK$43,195
+HK$2,478/mo
Deposit HK$933K · loan HK$8.40M · min. income ≈ HK$81,434/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$303,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,625
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$43,768
−HK$1,160/mo
Today · 4.125%
HK$44,928
baseline
▲ 0.50% · 4.625%
HK$47,296
+HK$2,368/mo
Deposit HK$933K · loan HK$8.40M · min. income ≈ HK$89,856/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$303,488 · 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).