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$21,298
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$21,961
−HK$673/mo
Today · 4.125%
HK$22,634
baseline
▲ 0.50% · 4.625%
HK$24,011
+HK$1,377/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$45,268/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$304,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,694
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$24,329
−HK$645/mo
Today · 4.125%
HK$24,974
baseline
▲ 0.50% · 4.625%
HK$26,290
+HK$1,316/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$49,948/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$304,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,558
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$26,353
−HK$807/mo
Today · 4.125%
HK$27,160
baseline
▲ 0.50% · 4.625%
HK$28,813
+HK$1,653/mo
Deposit HK$3.74M · loan HK$5.60M · min. income ≈ HK$54,320/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$304,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,433
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$29,195
−HK$774/mo
Today · 4.125%
HK$29,969
baseline
▲ 0.50% · 4.625%
HK$31,548
+HK$1,579/mo
Deposit HK$3.74M · loan HK$5.60M · min. income ≈ HK$59,938/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$304,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,817
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$30,745
−HK$942/mo
Today · 4.125%
HK$31,687
baseline
▲ 0.50% · 4.625%
HK$33,615
+HK$1,928/mo
Deposit HK$2.80M · loan HK$6.54M · min. income ≈ HK$63,374/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$304,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,171
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$34,061
−HK$903/mo
Today · 4.125%
HK$34,964
baseline
▲ 0.50% · 4.625%
HK$36,806
+HK$1,842/mo
Deposit HK$2.80M · loan HK$6.54M · min. income ≈ HK$69,928/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$304,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,336
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$39,529
−HK$1,211/mo
Today · 4.125%
HK$40,740
baseline
▲ 0.50% · 4.625%
HK$43,219
+HK$2,479/mo
Deposit HK$934K · loan HK$8.41M · min. income ≈ HK$81,480/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$304,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,649
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$43,793
−HK$1,160/mo
Today · 4.125%
HK$44,953
baseline
▲ 0.50% · 4.625%
HK$47,323
+HK$2,370/mo
Deposit HK$934K · loan HK$8.41M · min. income ≈ HK$89,906/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$304,019 · 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).