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$21,338
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$22,002
−HK$674/mo
Today · 4.125%
HK$22,676
baseline
▲ 0.50% · 4.625%
HK$24,056
+HK$1,380/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$45,352/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$305,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,738
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$24,375
−HK$646/mo
Today · 4.125%
HK$25,021
baseline
▲ 0.50% · 4.625%
HK$26,339
+HK$1,318/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$50,042/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$305,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,605
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$26,402
−HK$809/mo
Today · 4.125%
HK$27,211
baseline
▲ 0.50% · 4.625%
HK$28,867
+HK$1,656/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$54,422/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$305,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,486
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$29,250
−HK$775/mo
Today · 4.125%
HK$30,025
baseline
▲ 0.50% · 4.625%
HK$31,607
+HK$1,582/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$60,050/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$305,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,873
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$30,802
−HK$944/mo
Today · 4.125%
HK$31,746
baseline
▲ 0.50% · 4.625%
HK$33,678
+HK$1,932/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$63,492/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$305,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,233
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$34,125
−HK$904/mo
Today · 4.125%
HK$35,029
baseline
▲ 0.50% · 4.625%
HK$36,875
+HK$1,846/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$70,058/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$305,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,408
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$39,603
−HK$1,214/mo
Today · 4.125%
HK$40,817
baseline
▲ 0.50% · 4.625%
HK$43,300
+HK$2,483/mo
Deposit HK$936K · loan HK$8.42M · min. income ≈ HK$81,634/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$305,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,729
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$43,875
−HK$1,162/mo
Today · 4.125%
HK$45,037
baseline
▲ 0.50% · 4.625%
HK$47,411
+HK$2,374/mo
Deposit HK$936K · loan HK$8.42M · min. income ≈ HK$90,074/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$305,765 · 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).