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$21,259
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$21,921
−HK$671/mo
Today · 4.125%
HK$22,592
baseline
▲ 0.50% · 4.625%
HK$23,967
+HK$1,375/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$45,184/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$302,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,651
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$24,285
−HK$644/mo
Today · 4.125%
HK$24,929
baseline
▲ 0.50% · 4.625%
HK$26,243
+HK$1,314/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$49,858/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$302,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,511
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$26,305
−HK$806/mo
Today · 4.125%
HK$27,111
baseline
▲ 0.50% · 4.625%
HK$28,761
+HK$1,650/mo
Deposit HK$3.73M · loan HK$5.59M · min. income ≈ HK$54,222/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$302,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,381
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$29,142
−HK$772/mo
Today · 4.125%
HK$29,914
baseline
▲ 0.50% · 4.625%
HK$31,491
+HK$1,577/mo
Deposit HK$3.73M · loan HK$5.59M · min. income ≈ HK$59,828/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$302,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,763
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$30,689
−HK$940/mo
Today · 4.125%
HK$31,629
baseline
▲ 0.50% · 4.625%
HK$33,554
+HK$1,925/mo
Deposit HK$2.80M · loan HK$6.53M · min. income ≈ HK$63,258/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$302,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,111
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$33,999
−HK$901/mo
Today · 4.125%
HK$34,900
baseline
▲ 0.50% · 4.625%
HK$36,740
+HK$1,840/mo
Deposit HK$2.80M · loan HK$6.53M · min. income ≈ HK$69,800/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$302,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,267
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$39,457
−HK$1,209/mo
Today · 4.125%
HK$40,666
baseline
▲ 0.50% · 4.625%
HK$43,141
+HK$2,475/mo
Deposit HK$932K · loan HK$8.39M · min. income ≈ HK$81,332/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$302,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,571
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$43,713
−HK$1,158/mo
Today · 4.125%
HK$44,871
baseline
▲ 0.50% · 4.625%
HK$47,237
+HK$2,366/mo
Deposit HK$932K · loan HK$8.39M · min. income ≈ HK$89,742/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$302,323 · 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).