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$21,300
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$21,962
−HK$673/mo
Today · 4.125%
HK$22,635
baseline
▲ 0.50% · 4.625%
HK$24,013
+HK$1,378/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$45,270/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$304,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,696
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$24,331
−HK$645/mo
Today · 4.125%
HK$24,976
baseline
▲ 0.50% · 4.625%
HK$26,292
+HK$1,316/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$49,952/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$304,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,560
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$26,355
−HK$807/mo
Today · 4.125%
HK$27,162
baseline
▲ 0.50% · 4.625%
HK$28,815
+HK$1,653/mo
Deposit HK$3.74M · loan HK$5.60M · min. income ≈ HK$54,324/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$304,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,435
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$29,197
−HK$774/mo
Today · 4.125%
HK$29,971
baseline
▲ 0.50% · 4.625%
HK$31,551
+HK$1,580/mo
Deposit HK$3.74M · loan HK$5.60M · min. income ≈ HK$59,942/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$304,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,820
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$30,747
−HK$943/mo
Today · 4.125%
HK$31,690
baseline
▲ 0.50% · 4.625%
HK$33,618
+HK$1,928/mo
Deposit HK$2.80M · loan HK$6.54M · min. income ≈ HK$63,380/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$304,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,174
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$34,064
−HK$902/mo
Today · 4.125%
HK$34,966
baseline
▲ 0.50% · 4.625%
HK$36,809
+HK$1,843/mo
Deposit HK$2.80M · loan HK$6.54M · min. income ≈ HK$69,932/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$304,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,339
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$39,532
−HK$1,212/mo
Today · 4.125%
HK$40,744
baseline
▲ 0.50% · 4.625%
HK$43,223
+HK$2,479/mo
Deposit HK$934K · loan HK$8.41M · min. income ≈ HK$81,488/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$304,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,652
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$43,796
−HK$1,161/mo
Today · 4.125%
HK$44,957
baseline
▲ 0.50% · 4.625%
HK$47,326
+HK$2,369/mo
Deposit HK$934K · loan HK$8.41M · min. income ≈ HK$89,914/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$304,092 · 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).