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$21,343
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$22,007
−HK$674/mo
Today · 4.125%
HK$22,681
baseline
▲ 0.50% · 4.625%
HK$24,061
+HK$1,380/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$45,362/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$305,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,744
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$24,380
−HK$646/mo
Today · 4.125%
HK$25,026
baseline
▲ 0.50% · 4.625%
HK$26,345
+HK$1,319/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$50,052/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$305,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,611
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$26,408
−HK$809/mo
Today · 4.125%
HK$27,217
baseline
▲ 0.50% · 4.625%
HK$28,873
+HK$1,656/mo
Deposit HK$3.74M · loan HK$5.62M · min. income ≈ HK$54,434/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$305,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,492
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$29,256
−HK$776/mo
Today · 4.125%
HK$30,032
baseline
▲ 0.50% · 4.625%
HK$31,615
+HK$1,583/mo
Deposit HK$3.74M · loan HK$5.62M · min. income ≈ HK$60,064/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$305,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,880
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$30,809
−HK$944/mo
Today · 4.125%
HK$31,753
baseline
▲ 0.50% · 4.625%
HK$33,686
+HK$1,933/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$63,506/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$305,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,241
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$34,132
−HK$905/mo
Today · 4.125%
HK$35,037
baseline
▲ 0.50% · 4.625%
HK$36,884
+HK$1,847/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$70,074/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$305,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,417
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$39,612
−HK$1,214/mo
Today · 4.125%
HK$40,826
baseline
▲ 0.50% · 4.625%
HK$43,310
+HK$2,484/mo
Deposit HK$936K · loan HK$8.42M · min. income ≈ HK$81,652/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$305,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,738
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$43,885
−HK$1,162/mo
Today · 4.125%
HK$45,047
baseline
▲ 0.50% · 4.625%
HK$47,422
+HK$2,375/mo
Deposit HK$936K · loan HK$8.42M · min. income ≈ HK$90,094/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$305,978 · 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).