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$21,317
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$21,980
−HK$674/mo
Today · 4.125%
HK$22,654
baseline
▲ 0.50% · 4.625%
HK$24,032
+HK$1,378/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$45,308/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$304,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,715
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$24,351
−HK$645/mo
Today · 4.125%
HK$24,996
baseline
▲ 0.50% · 4.625%
HK$26,314
+HK$1,318/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$49,992/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$304,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,581
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$26,376
−HK$809/mo
Today · 4.125%
HK$27,185
baseline
▲ 0.50% · 4.625%
HK$28,839
+HK$1,654/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$54,370/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$304,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,458
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$29,221
−HK$775/mo
Today · 4.125%
HK$29,996
baseline
▲ 0.50% · 4.625%
HK$31,577
+HK$1,581/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$59,992/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$304,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,844
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$30,772
−HK$944/mo
Today · 4.125%
HK$31,716
baseline
▲ 0.50% · 4.625%
HK$33,645
+HK$1,929/mo
Deposit HK$2.80M · loan HK$6.54M · min. income ≈ HK$63,432/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$304,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,201
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$34,092
−HK$903/mo
Today · 4.125%
HK$34,995
baseline
▲ 0.50% · 4.625%
HK$36,840
+HK$1,845/mo
Deposit HK$2.80M · loan HK$6.54M · min. income ≈ HK$69,990/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$304,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,371
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$39,565
−HK$1,212/mo
Today · 4.125%
HK$40,777
baseline
▲ 0.50% · 4.625%
HK$43,258
+HK$2,481/mo
Deposit HK$935K · loan HK$8.41M · min. income ≈ HK$81,554/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$304,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,687
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$43,832
−HK$1,162/mo
Today · 4.125%
HK$44,994
baseline
▲ 0.50% · 4.625%
HK$47,365
+HK$2,371/mo
Deposit HK$935K · loan HK$8.41M · min. income ≈ HK$89,988/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$304,861 · 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).