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$21,331
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$21,995
−HK$674/mo
Today · 4.125%
HK$22,669
baseline
▲ 0.50% · 4.625%
HK$24,048
+HK$1,379/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$45,338/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$305,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,731
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$24,367
−HK$646/mo
Today · 4.125%
HK$25,013
baseline
▲ 0.50% · 4.625%
HK$26,332
+HK$1,319/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$50,026/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$305,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,598
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$26,394
−HK$809/mo
Today · 4.125%
HK$27,203
baseline
▲ 0.50% · 4.625%
HK$28,858
+HK$1,655/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$54,406/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$305,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,477
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$29,241
−HK$775/mo
Today · 4.125%
HK$30,016
baseline
▲ 0.50% · 4.625%
HK$31,598
+HK$1,582/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$60,032/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$305,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,864
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$30,793
−HK$944/mo
Today · 4.125%
HK$31,737
baseline
▲ 0.50% · 4.625%
HK$33,668
+HK$1,931/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$63,474/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$305,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,223
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$34,114
−HK$904/mo
Today · 4.125%
HK$35,018
baseline
▲ 0.50% · 4.625%
HK$36,864
+HK$1,846/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$70,036/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$305,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,396
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$39,591
−HK$1,213/mo
Today · 4.125%
HK$40,804
baseline
▲ 0.50% · 4.625%
HK$43,287
+HK$2,483/mo
Deposit HK$935K · loan HK$8.42M · min. income ≈ HK$81,608/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$305,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,716
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$43,861
−HK$1,162/mo
Today · 4.125%
HK$45,023
baseline
▲ 0.50% · 4.625%
HK$47,397
+HK$2,374/mo
Deposit HK$935K · loan HK$8.42M · min. income ≈ HK$90,046/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$305,481 · 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).