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$21,330
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$21,993
−HK$674/mo
Today · 4.125%
HK$22,667
baseline
▲ 0.50% · 4.625%
HK$24,046
+HK$1,379/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$45,334/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$305,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,729
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$24,365
−HK$646/mo
Today · 4.125%
HK$25,011
baseline
▲ 0.50% · 4.625%
HK$26,329
+HK$1,318/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$50,022/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$305,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,595
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$26,392
−HK$808/mo
Today · 4.125%
HK$27,200
baseline
▲ 0.50% · 4.625%
HK$28,856
+HK$1,656/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$54,400/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$305,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,475
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$29,238
−HK$775/mo
Today · 4.125%
HK$30,013
baseline
▲ 0.50% · 4.625%
HK$31,595
+HK$1,582/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$60,026/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$305,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,861
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$30,790
−HK$944/mo
Today · 4.125%
HK$31,734
baseline
▲ 0.50% · 4.625%
HK$33,665
+HK$1,931/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$63,468/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$305,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,220
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$34,111
−HK$904/mo
Today · 4.125%
HK$35,015
baseline
▲ 0.50% · 4.625%
HK$36,861
+HK$1,846/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$70,030/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$305,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,393
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$39,587
−HK$1,214/mo
Today · 4.125%
HK$40,801
baseline
▲ 0.50% · 4.625%
HK$43,283
+HK$2,482/mo
Deposit HK$935K · loan HK$8.42M · min. income ≈ HK$81,602/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$305,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,712
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$43,857
−HK$1,163/mo
Today · 4.125%
HK$45,020
baseline
▲ 0.50% · 4.625%
HK$47,393
+HK$2,373/mo
Deposit HK$935K · loan HK$8.42M · min. income ≈ HK$90,040/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$305,400 · 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).