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$21,290
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$21,952
−HK$673/mo
Today · 4.125%
HK$22,625
baseline
▲ 0.50% · 4.625%
HK$24,002
+HK$1,377/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$45,250/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$303,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,685
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$24,320
−HK$644/mo
Today · 4.125%
HK$24,964
baseline
▲ 0.50% · 4.625%
HK$26,280
+HK$1,316/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$49,928/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$303,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,548
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$26,343
−HK$807/mo
Today · 4.125%
HK$27,150
baseline
▲ 0.50% · 4.625%
HK$28,802
+HK$1,652/mo
Deposit HK$3.73M · loan HK$5.60M · min. income ≈ HK$54,300/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$303,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,422
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$29,184
−HK$773/mo
Today · 4.125%
HK$29,957
baseline
▲ 0.50% · 4.625%
HK$31,536
+HK$1,579/mo
Deposit HK$3.73M · loan HK$5.60M · min. income ≈ HK$59,914/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$303,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,806
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$30,733
−HK$942/mo
Today · 4.125%
HK$31,675
baseline
▲ 0.50% · 4.625%
HK$33,602
+HK$1,927/mo
Deposit HK$2.80M · loan HK$6.54M · min. income ≈ HK$63,350/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$303,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,159
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$34,048
−HK$902/mo
Today · 4.125%
HK$34,950
baseline
▲ 0.50% · 4.625%
HK$36,792
+HK$1,842/mo
Deposit HK$2.80M · loan HK$6.54M · min. income ≈ HK$69,900/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$303,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,322
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$39,514
−HK$1,211/mo
Today · 4.125%
HK$40,725
baseline
▲ 0.50% · 4.625%
HK$43,203
+HK$2,478/mo
Deposit HK$934K · loan HK$8.40M · min. income ≈ HK$81,450/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$303,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,633
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$43,776
−HK$1,160/mo
Today · 4.125%
HK$44,936
baseline
▲ 0.50% · 4.625%
HK$47,305
+HK$2,369/mo
Deposit HK$934K · loan HK$8.40M · min. income ≈ HK$89,872/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$303,663 · 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).