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$21,345
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$22,009
−HK$675/mo
Today · 4.125%
HK$22,684
baseline
▲ 0.50% · 4.625%
HK$24,064
+HK$1,380/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$45,368/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$306,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,746
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$24,383
−HK$646/mo
Today · 4.125%
HK$25,029
baseline
▲ 0.50% · 4.625%
HK$26,349
+HK$1,320/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$50,058/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$306,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,614
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$26,411
−HK$809/mo
Today · 4.125%
HK$27,220
baseline
▲ 0.50% · 4.625%
HK$28,877
+HK$1,657/mo
Deposit HK$3.74M · loan HK$5.62M · min. income ≈ HK$54,440/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$306,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,496
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$29,260
−HK$775/mo
Today · 4.125%
HK$30,035
baseline
▲ 0.50% · 4.625%
HK$31,618
+HK$1,583/mo
Deposit HK$3.74M · loan HK$5.62M · min. income ≈ HK$60,070/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$306,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,883
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$30,813
−HK$944/mo
Today · 4.125%
HK$31,757
baseline
▲ 0.50% · 4.625%
HK$33,690
+HK$1,933/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$63,514/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$306,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,245
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$34,136
−HK$905/mo
Today · 4.125%
HK$35,041
baseline
▲ 0.50% · 4.625%
HK$36,888
+HK$1,847/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$70,082/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$306,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,421
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$39,616
−HK$1,215/mo
Today · 4.125%
HK$40,831
baseline
▲ 0.50% · 4.625%
HK$43,315
+HK$2,484/mo
Deposit HK$936K · loan HK$8.42M · min. income ≈ HK$81,662/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$306,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,743
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$43,890
−HK$1,163/mo
Today · 4.125%
HK$45,053
baseline
▲ 0.50% · 4.625%
HK$47,427
+HK$2,374/mo
Deposit HK$936K · loan HK$8.42M · min. income ≈ HK$90,106/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$306,087 · 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).