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$21,324
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$21,988
−HK$673/mo
Today · 4.125%
HK$22,661
baseline
▲ 0.50% · 4.625%
HK$24,040
+HK$1,379/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$45,322/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$305,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,723
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$24,359
−HK$646/mo
Today · 4.125%
HK$25,005
baseline
▲ 0.50% · 4.625%
HK$26,323
+HK$1,318/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$50,010/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$305,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,589
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$26,385
−HK$809/mo
Today · 4.125%
HK$27,194
baseline
▲ 0.50% · 4.625%
HK$28,848
+HK$1,654/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$54,388/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$305,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,468
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$29,231
−HK$775/mo
Today · 4.125%
HK$30,006
baseline
▲ 0.50% · 4.625%
HK$31,587
+HK$1,581/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$60,012/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$305,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,854
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$30,783
−HK$943/mo
Today · 4.125%
HK$31,726
baseline
▲ 0.50% · 4.625%
HK$33,656
+HK$1,930/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$63,452/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$305,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,212
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$34,103
−HK$904/mo
Today · 4.125%
HK$35,007
baseline
▲ 0.50% · 4.625%
HK$36,852
+HK$1,845/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$70,014/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$305,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,384
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$39,578
−HK$1,213/mo
Today · 4.125%
HK$40,791
baseline
▲ 0.50% · 4.625%
HK$43,273
+HK$2,482/mo
Deposit HK$935K · loan HK$8.42M · min. income ≈ HK$81,582/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$305,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,701
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$43,847
−HK$1,161/mo
Today · 4.125%
HK$45,008
baseline
▲ 0.50% · 4.625%
HK$47,381
+HK$2,373/mo
Deposit HK$935K · loan HK$8.42M · min. income ≈ HK$90,016/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$305,169 · 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).