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$21,320
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$21,983
−HK$674/mo
Today · 4.125%
HK$22,657
baseline
▲ 0.50% · 4.625%
HK$24,036
+HK$1,379/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$45,314/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$304,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,718
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$24,355
−HK$645/mo
Today · 4.125%
HK$25,000
baseline
▲ 0.50% · 4.625%
HK$26,318
+HK$1,318/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$50,000/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$304,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,584
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$26,380
−HK$808/mo
Today · 4.125%
HK$27,188
baseline
▲ 0.50% · 4.625%
HK$28,843
+HK$1,655/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$54,376/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$304,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,462
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$29,225
−HK$775/mo
Today · 4.125%
HK$30,000
baseline
▲ 0.50% · 4.625%
HK$31,581
+HK$1,581/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$60,000/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$304,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,848
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$30,777
−HK$943/mo
Today · 4.125%
HK$31,720
baseline
▲ 0.50% · 4.625%
HK$33,650
+HK$1,930/mo
Deposit HK$2.80M · loan HK$6.54M · min. income ≈ HK$63,440/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$304,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,206
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$34,096
−HK$904/mo
Today · 4.125%
HK$35,000
baseline
▲ 0.50% · 4.625%
HK$36,845
+HK$1,845/mo
Deposit HK$2.80M · loan HK$6.54M · min. income ≈ HK$70,000/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$304,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,376
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$39,570
−HK$1,213/mo
Today · 4.125%
HK$40,783
baseline
▲ 0.50% · 4.625%
HK$43,264
+HK$2,481/mo
Deposit HK$935K · loan HK$8.41M · min. income ≈ HK$81,566/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$304,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,693
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$43,838
−HK$1,162/mo
Today · 4.125%
HK$45,000
baseline
▲ 0.50% · 4.625%
HK$47,372
+HK$2,372/mo
Deposit HK$935K · loan HK$8.41M · min. income ≈ HK$90,000/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$304,988 · 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).