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$21,261
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$21,923
−HK$672/mo
Today · 4.125%
HK$22,595
baseline
▲ 0.50% · 4.625%
HK$23,970
+HK$1,375/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$45,190/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$302,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,653
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$24,287
−HK$644/mo
Today · 4.125%
HK$24,931
baseline
▲ 0.50% · 4.625%
HK$26,245
+HK$1,314/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$49,862/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$302,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,514
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$26,307
−HK$807/mo
Today · 4.125%
HK$27,114
baseline
▲ 0.50% · 4.625%
HK$28,763
+HK$1,649/mo
Deposit HK$3.73M · loan HK$5.59M · min. income ≈ HK$54,228/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$302,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,384
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$29,145
−HK$772/mo
Today · 4.125%
HK$29,917
baseline
▲ 0.50% · 4.625%
HK$31,494
+HK$1,577/mo
Deposit HK$3.73M · loan HK$5.59M · min. income ≈ HK$59,834/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$302,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,766
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$30,692
−HK$941/mo
Today · 4.125%
HK$31,633
baseline
▲ 0.50% · 4.625%
HK$33,557
+HK$1,924/mo
Deposit HK$2.80M · loan HK$6.53M · min. income ≈ HK$63,266/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$302,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,114
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$34,002
−HK$901/mo
Today · 4.125%
HK$34,903
baseline
▲ 0.50% · 4.625%
HK$36,743
+HK$1,840/mo
Deposit HK$2.80M · loan HK$6.53M · min. income ≈ HK$69,806/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$302,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,271
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$39,461
−HK$1,209/mo
Today · 4.125%
HK$40,670
baseline
▲ 0.50% · 4.625%
HK$43,145
+HK$2,475/mo
Deposit HK$932K · loan HK$8.39M · min. income ≈ HK$81,340/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$302,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,576
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$43,717
−HK$1,159/mo
Today · 4.125%
HK$44,876
baseline
▲ 0.50% · 4.625%
HK$47,241
+HK$2,365/mo
Deposit HK$932K · loan HK$8.39M · min. income ≈ HK$89,752/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$302,414 · 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).