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$21,297
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$21,960
−HK$673/mo
Today · 4.125%
HK$22,633
baseline
▲ 0.50% · 4.625%
HK$24,010
+HK$1,377/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$45,266/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$303,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,693
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$24,328
−HK$645/mo
Today · 4.125%
HK$24,973
baseline
▲ 0.50% · 4.625%
HK$26,289
+HK$1,316/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$49,946/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$303,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,556
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$26,351
−HK$808/mo
Today · 4.125%
HK$27,159
baseline
▲ 0.50% · 4.625%
HK$28,812
+HK$1,653/mo
Deposit HK$3.74M · loan HK$5.60M · min. income ≈ HK$54,318/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$303,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,431
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$29,194
−HK$773/mo
Today · 4.125%
HK$29,967
baseline
▲ 0.50% · 4.625%
HK$31,547
+HK$1,580/mo
Deposit HK$3.74M · loan HK$5.60M · min. income ≈ HK$59,934/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$303,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,816
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$30,743
−HK$943/mo
Today · 4.125%
HK$31,686
baseline
▲ 0.50% · 4.625%
HK$33,614
+HK$1,928/mo
Deposit HK$2.80M · loan HK$6.54M · min. income ≈ HK$63,372/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$303,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,170
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$34,059
−HK$903/mo
Today · 4.125%
HK$34,962
baseline
▲ 0.50% · 4.625%
HK$36,805
+HK$1,843/mo
Deposit HK$2.80M · loan HK$6.54M · min. income ≈ HK$69,924/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$303,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,335
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$39,527
−HK$1,212/mo
Today · 4.125%
HK$40,739
baseline
▲ 0.50% · 4.625%
HK$43,217
+HK$2,478/mo
Deposit HK$934K · loan HK$8.41M · min. income ≈ HK$81,478/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$303,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,647
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$43,791
−HK$1,160/mo
Today · 4.125%
HK$44,951
baseline
▲ 0.50% · 4.625%
HK$47,320
+HK$2,369/mo
Deposit HK$934K · loan HK$8.41M · min. income ≈ HK$89,902/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$303,977 · 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).