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$21,292
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$21,954
−HK$673/mo
Today · 4.125%
HK$22,627
baseline
▲ 0.50% · 4.625%
HK$24,004
+HK$1,377/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$45,254/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$303,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,687
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$24,322
−HK$645/mo
Today · 4.125%
HK$24,967
baseline
▲ 0.50% · 4.625%
HK$26,283
+HK$1,316/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$49,934/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$303,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,550
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$26,345
−HK$807/mo
Today · 4.125%
HK$27,152
baseline
▲ 0.50% · 4.625%
HK$28,804
+HK$1,652/mo
Deposit HK$3.73M · loan HK$5.60M · min. income ≈ HK$54,304/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$303,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,424
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$29,187
−HK$773/mo
Today · 4.125%
HK$29,960
baseline
▲ 0.50% · 4.625%
HK$31,539
+HK$1,579/mo
Deposit HK$3.73M · loan HK$5.60M · min. income ≈ HK$59,920/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$303,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,808
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$30,736
−HK$942/mo
Today · 4.125%
HK$31,678
baseline
▲ 0.50% · 4.625%
HK$33,605
+HK$1,927/mo
Deposit HK$2.80M · loan HK$6.54M · min. income ≈ HK$63,356/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$303,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,162
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$34,051
−HK$902/mo
Today · 4.125%
HK$34,953
baseline
▲ 0.50% · 4.625%
HK$36,796
+HK$1,843/mo
Deposit HK$2.80M · loan HK$6.54M · min. income ≈ HK$69,906/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$303,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,325
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$39,517
−HK$1,211/mo
Today · 4.125%
HK$40,728
baseline
▲ 0.50% · 4.625%
HK$43,207
+HK$2,479/mo
Deposit HK$934K · loan HK$8.40M · min. income ≈ HK$81,456/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$303,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,636
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$43,780
−HK$1,160/mo
Today · 4.125%
HK$44,940
baseline
▲ 0.50% · 4.625%
HK$47,309
+HK$2,369/mo
Deposit HK$934K · loan HK$8.40M · min. income ≈ HK$89,880/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$303,744 · 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).