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$21,289
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$21,951
−HK$673/mo
Today · 4.125%
HK$22,624
baseline
▲ 0.50% · 4.625%
HK$24,001
+HK$1,377/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$45,248/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$303,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,684
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$24,319
−HK$644/mo
Today · 4.125%
HK$24,963
baseline
▲ 0.50% · 4.625%
HK$26,279
+HK$1,316/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$49,926/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$303,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,547
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$26,341
−HK$808/mo
Today · 4.125%
HK$27,149
baseline
▲ 0.50% · 4.625%
HK$28,801
+HK$1,652/mo
Deposit HK$3.73M · loan HK$5.60M · min. income ≈ HK$54,298/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$303,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,420
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$29,183
−HK$773/mo
Today · 4.125%
HK$29,956
baseline
▲ 0.50% · 4.625%
HK$31,535
+HK$1,579/mo
Deposit HK$3.73M · loan HK$5.60M · min. income ≈ HK$59,912/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$303,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,805
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$30,732
−HK$942/mo
Today · 4.125%
HK$31,674
baseline
▲ 0.50% · 4.625%
HK$33,601
+HK$1,927/mo
Deposit HK$2.80M · loan HK$6.54M · min. income ≈ HK$63,348/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$303,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,157
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$34,046
−HK$903/mo
Today · 4.125%
HK$34,949
baseline
▲ 0.50% · 4.625%
HK$36,791
+HK$1,842/mo
Deposit HK$2.80M · loan HK$6.54M · min. income ≈ HK$69,898/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$303,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,320
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$39,512
−HK$1,211/mo
Today · 4.125%
HK$40,723
baseline
▲ 0.50% · 4.625%
HK$43,201
+HK$2,478/mo
Deposit HK$934K · loan HK$8.40M · min. income ≈ HK$81,446/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$303,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,631
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$43,774
−HK$1,160/mo
Today · 4.125%
HK$44,934
baseline
▲ 0.50% · 4.625%
HK$47,302
+HK$2,368/mo
Deposit HK$934K · loan HK$8.40M · min. income ≈ HK$89,868/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$303,621 · 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).