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$21,309
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$21,971
−HK$674/mo
Today · 4.125%
HK$22,645
baseline
▲ 0.50% · 4.625%
HK$24,023
+HK$1,378/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$45,290/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$304,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,706
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$24,341
−HK$645/mo
Today · 4.125%
HK$24,986
baseline
▲ 0.50% · 4.625%
HK$26,303
+HK$1,317/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$49,972/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$304,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,570
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$26,366
−HK$808/mo
Today · 4.125%
HK$27,174
baseline
▲ 0.50% · 4.625%
HK$28,827
+HK$1,653/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$54,348/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$304,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,447
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$29,210
−HK$773/mo
Today · 4.125%
HK$29,983
baseline
▲ 0.50% · 4.625%
HK$31,564
+HK$1,581/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$59,966/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$304,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,832
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$30,760
−HK$943/mo
Today · 4.125%
HK$31,703
baseline
▲ 0.50% · 4.625%
HK$33,632
+HK$1,929/mo
Deposit HK$2.80M · loan HK$6.54M · min. income ≈ HK$63,406/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$304,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,188
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$34,078
−HK$903/mo
Today · 4.125%
HK$34,981
baseline
▲ 0.50% · 4.625%
HK$36,825
+HK$1,844/mo
Deposit HK$2.80M · loan HK$6.54M · min. income ≈ HK$69,962/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$304,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,355
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$39,548
−HK$1,213/mo
Today · 4.125%
HK$40,761
baseline
▲ 0.50% · 4.625%
HK$43,241
+HK$2,480/mo
Deposit HK$934K · loan HK$8.41M · min. income ≈ HK$81,522/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$304,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,670
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$43,814
−HK$1,161/mo
Today · 4.125%
HK$44,975
baseline
▲ 0.50% · 4.625%
HK$47,346
+HK$2,371/mo
Deposit HK$934K · loan HK$8.41M · min. income ≈ HK$89,950/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$304,479 · 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).