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$21,312
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$21,975
−HK$674/mo
Today · 4.125%
HK$22,649
baseline
▲ 0.50% · 4.625%
HK$24,027
+HK$1,378/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$45,298/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$304,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,710
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$24,346
−HK$645/mo
Today · 4.125%
HK$24,991
baseline
▲ 0.50% · 4.625%
HK$26,308
+HK$1,317/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$49,982/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$304,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,575
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$26,370
−HK$809/mo
Today · 4.125%
HK$27,179
baseline
▲ 0.50% · 4.625%
HK$28,832
+HK$1,653/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$54,358/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$304,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,452
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$29,215
−HK$774/mo
Today · 4.125%
HK$29,989
baseline
▲ 0.50% · 4.625%
HK$31,570
+HK$1,581/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$59,978/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$304,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,837
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$30,765
−HK$943/mo
Today · 4.125%
HK$31,708
baseline
▲ 0.50% · 4.625%
HK$33,638
+HK$1,930/mo
Deposit HK$2.80M · loan HK$6.54M · min. income ≈ HK$63,416/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$304,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,194
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$34,084
−HK$903/mo
Today · 4.125%
HK$34,987
baseline
▲ 0.50% · 4.625%
HK$36,831
+HK$1,844/mo
Deposit HK$2.80M · loan HK$6.54M · min. income ≈ HK$69,974/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$304,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,362
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$39,556
−HK$1,212/mo
Today · 4.125%
HK$40,768
baseline
▲ 0.50% · 4.625%
HK$43,249
+HK$2,481/mo
Deposit HK$935K · loan HK$8.41M · min. income ≈ HK$81,536/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$304,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,678
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$43,822
−HK$1,161/mo
Today · 4.125%
HK$44,983
baseline
▲ 0.50% · 4.625%
HK$47,355
+HK$2,372/mo
Deposit HK$935K · loan HK$8.41M · min. income ≈ HK$89,966/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$304,648 · 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).