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$21,308
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$21,971
−HK$673/mo
Today · 4.125%
HK$22,644
baseline
▲ 0.50% · 4.625%
HK$24,022
+HK$1,378/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$45,288/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$304,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,705
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$24,341
−HK$645/mo
Today · 4.125%
HK$24,986
baseline
▲ 0.50% · 4.625%
HK$26,303
+HK$1,317/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$49,972/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$304,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,570
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$26,365
−HK$808/mo
Today · 4.125%
HK$27,173
baseline
▲ 0.50% · 4.625%
HK$28,827
+HK$1,654/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$54,346/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$304,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,446
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$29,209
−HK$774/mo
Today · 4.125%
HK$29,983
baseline
▲ 0.50% · 4.625%
HK$31,564
+HK$1,581/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$59,966/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$304,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,832
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$30,759
−HK$943/mo
Today · 4.125%
HK$31,702
baseline
▲ 0.50% · 4.625%
HK$33,631
+HK$1,929/mo
Deposit HK$2.80M · loan HK$6.54M · min. income ≈ HK$63,404/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$304,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,187
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$34,077
−HK$903/mo
Today · 4.125%
HK$34,980
baseline
▲ 0.50% · 4.625%
HK$36,824
+HK$1,844/mo
Deposit HK$2.80M · loan HK$6.54M · min. income ≈ HK$69,960/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$304,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,355
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$39,548
−HK$1,212/mo
Today · 4.125%
HK$40,760
baseline
▲ 0.50% · 4.625%
HK$43,240
+HK$2,480/mo
Deposit HK$934K · loan HK$8.41M · min. income ≈ HK$81,520/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$304,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,669
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$43,814
−HK$1,161/mo
Today · 4.125%
HK$44,975
baseline
▲ 0.50% · 4.625%
HK$47,345
+HK$2,370/mo
Deposit HK$934K · loan HK$8.41M · min. income ≈ HK$89,950/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$304,467 · 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).