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$21,269
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$21,930
−HK$673/mo
Today · 4.125%
HK$22,603
baseline
▲ 0.50% · 4.625%
HK$23,978
+HK$1,375/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$45,206/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$302,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,661
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$24,296
−HK$644/mo
Today · 4.125%
HK$24,940
baseline
▲ 0.50% · 4.625%
HK$26,254
+HK$1,314/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$49,880/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$302,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,523
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$26,317
−HK$806/mo
Today · 4.125%
HK$27,123
baseline
▲ 0.50% · 4.625%
HK$28,774
+HK$1,651/mo
Deposit HK$3.73M · loan HK$5.60M · min. income ≈ HK$54,246/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$302,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,394
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$29,155
−HK$773/mo
Today · 4.125%
HK$29,928
baseline
▲ 0.50% · 4.625%
HK$31,505
+HK$1,577/mo
Deposit HK$3.73M · loan HK$5.60M · min. income ≈ HK$59,856/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$302,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,776
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$30,703
−HK$941/mo
Today · 4.125%
HK$31,644
baseline
▲ 0.50% · 4.625%
HK$33,569
+HK$1,925/mo
Deposit HK$2.80M · loan HK$6.53M · min. income ≈ HK$63,288/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$302,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,126
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$34,014
−HK$902/mo
Today · 4.125%
HK$34,916
baseline
▲ 0.50% · 4.625%
HK$36,756
+HK$1,840/mo
Deposit HK$2.80M · loan HK$6.53M · min. income ≈ HK$69,832/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$302,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,284
−HK$2,401/mo
▼ 0.25% · 3.875%
HK$39,475
−HK$1,210/mo
Today · 4.125%
HK$40,685
baseline
▲ 0.50% · 4.625%
HK$43,160
+HK$2,475/mo
Deposit HK$933K · loan HK$8.39M · min. income ≈ HK$81,370/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$302,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,591
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$43,733
−HK$1,159/mo
Today · 4.125%
HK$44,892
baseline
▲ 0.50% · 4.625%
HK$47,258
+HK$2,366/mo
Deposit HK$933K · loan HK$8.39M · min. income ≈ HK$89,784/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$302,741 · 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).