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$21,241
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$21,902
−HK$671/mo
Today · 4.125%
HK$22,573
baseline
▲ 0.50% · 4.625%
HK$23,947
+HK$1,374/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$45,146/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$301,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,631
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$24,264
−HK$643/mo
Today · 4.125%
HK$24,907
baseline
▲ 0.50% · 4.625%
HK$26,220
+HK$1,313/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$49,814/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$301,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,489
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$26,282
−HK$806/mo
Today · 4.125%
HK$27,088
baseline
▲ 0.50% · 4.625%
HK$28,736
+HK$1,648/mo
Deposit HK$3.73M · loan HK$5.59M · min. income ≈ HK$54,176/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$301,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,357
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$29,117
−HK$772/mo
Today · 4.125%
HK$29,889
baseline
▲ 0.50% · 4.625%
HK$31,464
+HK$1,575/mo
Deposit HK$3.73M · loan HK$5.59M · min. income ≈ HK$59,778/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$301,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,738
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$30,663
−HK$939/mo
Today · 4.125%
HK$31,602
baseline
▲ 0.50% · 4.625%
HK$33,525
+HK$1,923/mo
Deposit HK$2.79M · loan HK$6.52M · min. income ≈ HK$63,204/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$301,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,083
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$33,970
−HK$900/mo
Today · 4.125%
HK$34,870
baseline
▲ 0.50% · 4.625%
HK$36,708
+HK$1,838/mo
Deposit HK$2.79M · loan HK$6.52M · min. income ≈ HK$69,740/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$301,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,234
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$39,423
−HK$1,209/mo
Today · 4.125%
HK$40,632
baseline
▲ 0.50% · 4.625%
HK$43,104
+HK$2,472/mo
Deposit HK$932K · loan HK$8.38M · min. income ≈ HK$81,264/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$301,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,535
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$43,676
−HK$1,157/mo
Today · 4.125%
HK$44,833
baseline
▲ 0.50% · 4.625%
HK$47,196
+HK$2,363/mo
Deposit HK$932K · loan HK$8.38M · min. income ≈ HK$89,666/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$301,527 · 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).