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$21,301
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$21,964
−HK$673/mo
Today · 4.125%
HK$22,637
baseline
▲ 0.50% · 4.625%
HK$24,015
+HK$1,378/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$45,274/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$304,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,698
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$24,333
−HK$645/mo
Today · 4.125%
HK$24,978
baseline
▲ 0.50% · 4.625%
HK$26,294
+HK$1,316/mo
Deposit HK$4.67M · loan HK$4.67M · min. income ≈ HK$49,956/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$304,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,562
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$26,357
−HK$808/mo
Today · 4.125%
HK$27,165
baseline
▲ 0.50% · 4.625%
HK$28,817
+HK$1,652/mo
Deposit HK$3.74M · loan HK$5.60M · min. income ≈ HK$54,330/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$304,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,437
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$29,200
−HK$773/mo
Today · 4.125%
HK$29,973
baseline
▲ 0.50% · 4.625%
HK$31,553
+HK$1,580/mo
Deposit HK$3.74M · loan HK$5.60M · min. income ≈ HK$59,946/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$304,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,822
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$30,750
−HK$942/mo
Today · 4.125%
HK$31,692
baseline
▲ 0.50% · 4.625%
HK$33,620
+HK$1,928/mo
Deposit HK$2.80M · loan HK$6.54M · min. income ≈ HK$63,384/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$304,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,177
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$34,066
−HK$903/mo
Today · 4.125%
HK$34,969
baseline
▲ 0.50% · 4.625%
HK$36,812
+HK$1,843/mo
Deposit HK$2.80M · loan HK$6.54M · min. income ≈ HK$69,938/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$304,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,342
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$39,535
−HK$1,212/mo
Today · 4.125%
HK$40,747
baseline
▲ 0.50% · 4.625%
HK$43,226
+HK$2,479/mo
Deposit HK$934K · loan HK$8.41M · min. income ≈ HK$81,494/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$304,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,656
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$43,800
−HK$1,160/mo
Today · 4.125%
HK$44,960
baseline
▲ 0.50% · 4.625%
HK$47,330
+HK$2,370/mo
Deposit HK$934K · loan HK$8.41M · min. income ≈ HK$89,920/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$304,165 · 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).