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$21,319
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$21,982
−HK$673/mo
Today · 4.125%
HK$22,655
baseline
▲ 0.50% · 4.625%
HK$24,034
+HK$1,379/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$45,310/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$304,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,717
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$24,353
−HK$645/mo
Today · 4.125%
HK$24,998
baseline
▲ 0.50% · 4.625%
HK$26,316
+HK$1,318/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$49,996/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$304,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,582
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$26,378
−HK$809/mo
Today · 4.125%
HK$27,187
baseline
▲ 0.50% · 4.625%
HK$28,841
+HK$1,654/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$54,374/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$304,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,460
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$29,223
−HK$775/mo
Today · 4.125%
HK$29,998
baseline
▲ 0.50% · 4.625%
HK$31,579
+HK$1,581/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$59,996/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$304,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,846
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$30,774
−HK$944/mo
Today · 4.125%
HK$31,718
baseline
▲ 0.50% · 4.625%
HK$33,648
+HK$1,930/mo
Deposit HK$2.80M · loan HK$6.54M · min. income ≈ HK$63,436/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$304,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,203
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$34,094
−HK$903/mo
Today · 4.125%
HK$34,997
baseline
▲ 0.50% · 4.625%
HK$36,842
+HK$1,845/mo
Deposit HK$2.80M · loan HK$6.54M · min. income ≈ HK$69,994/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$304,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,374
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$39,567
−HK$1,213/mo
Today · 4.125%
HK$40,780
baseline
▲ 0.50% · 4.625%
HK$43,261
+HK$2,481/mo
Deposit HK$935K · loan HK$8.41M · min. income ≈ HK$81,560/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$304,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,690
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$43,835
−HK$1,162/mo
Today · 4.125%
HK$44,997
baseline
▲ 0.50% · 4.625%
HK$47,368
+HK$2,371/mo
Deposit HK$935K · loan HK$8.41M · min. income ≈ HK$89,994/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$304,923 · 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).