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$21,230
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$21,891
−HK$671/mo
Today · 4.125%
HK$22,562
baseline
▲ 0.50% · 4.625%
HK$23,934
+HK$1,372/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$45,124/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$301,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,618
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$24,252
−HK$642/mo
Today · 4.125%
HK$24,894
baseline
▲ 0.50% · 4.625%
HK$26,207
+HK$1,313/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$49,788/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$301,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,476
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$26,269
−HK$805/mo
Today · 4.125%
HK$27,074
baseline
▲ 0.50% · 4.625%
HK$28,721
+HK$1,647/mo
Deposit HK$3.72M · loan HK$5.59M · min. income ≈ HK$54,148/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$301,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,342
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$29,102
−HK$771/mo
Today · 4.125%
HK$29,873
baseline
▲ 0.50% · 4.625%
HK$31,448
+HK$1,575/mo
Deposit HK$3.72M · loan HK$5.59M · min. income ≈ HK$59,746/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$301,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,722
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$30,647
−HK$939/mo
Today · 4.125%
HK$31,586
baseline
▲ 0.50% · 4.625%
HK$33,508
+HK$1,922/mo
Deposit HK$2.79M · loan HK$6.52M · min. income ≈ HK$63,172/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$301,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,066
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$33,953
−HK$899/mo
Today · 4.125%
HK$34,852
baseline
▲ 0.50% · 4.625%
HK$36,689
+HK$1,837/mo
Deposit HK$2.79M · loan HK$6.52M · min. income ≈ HK$69,704/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$301,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,214
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$39,403
−HK$1,208/mo
Today · 4.125%
HK$40,611
baseline
▲ 0.50% · 4.625%
HK$43,082
+HK$2,471/mo
Deposit HK$931K · loan HK$8.38M · min. income ≈ HK$81,222/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$301,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,513
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$43,653
−HK$1,157/mo
Today · 4.125%
HK$44,810
baseline
▲ 0.50% · 4.625%
HK$47,172
+HK$2,362/mo
Deposit HK$931K · loan HK$8.38M · min. income ≈ HK$89,620/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$301,044 · 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).