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$21,325
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$21,989
−HK$673/mo
Today · 4.125%
HK$22,662
baseline
▲ 0.50% · 4.625%
HK$24,041
+HK$1,379/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$45,324/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$305,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,724
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$24,360
−HK$646/mo
Today · 4.125%
HK$25,006
baseline
▲ 0.50% · 4.625%
HK$26,324
+HK$1,318/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$50,012/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$305,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,590
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$26,386
−HK$809/mo
Today · 4.125%
HK$27,195
baseline
▲ 0.50% · 4.625%
HK$28,850
+HK$1,655/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$54,390/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$305,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,469
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$29,232
−HK$775/mo
Today · 4.125%
HK$30,007
baseline
▲ 0.50% · 4.625%
HK$31,589
+HK$1,582/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$60,014/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$305,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,855
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$30,784
−HK$943/mo
Today · 4.125%
HK$31,727
baseline
▲ 0.50% · 4.625%
HK$33,658
+HK$1,931/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$63,454/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$305,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,214
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$34,104
−HK$904/mo
Today · 4.125%
HK$35,008
baseline
▲ 0.50% · 4.625%
HK$36,853
+HK$1,845/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$70,016/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$305,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,385
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$39,579
−HK$1,213/mo
Today · 4.125%
HK$40,792
baseline
▲ 0.50% · 4.625%
HK$43,275
+HK$2,483/mo
Deposit HK$935K · loan HK$8.42M · min. income ≈ HK$81,584/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$305,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,703
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$43,849
−HK$1,161/mo
Today · 4.125%
HK$45,010
baseline
▲ 0.50% · 4.625%
HK$47,383
+HK$2,373/mo
Deposit HK$935K · loan HK$8.42M · min. income ≈ HK$90,020/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$305,211 · 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).