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$21,263
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$21,924
−HK$672/mo
Today · 4.125%
HK$22,596
baseline
▲ 0.50% · 4.625%
HK$23,971
+HK$1,375/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$45,192/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$302,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,655
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$24,289
−HK$643/mo
Today · 4.125%
HK$24,932
baseline
▲ 0.50% · 4.625%
HK$26,247
+HK$1,315/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$49,864/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$302,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,515
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$26,309
−HK$806/mo
Today · 4.125%
HK$27,115
baseline
▲ 0.50% · 4.625%
HK$28,765
+HK$1,650/mo
Deposit HK$3.73M · loan HK$5.59M · min. income ≈ HK$54,230/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$302,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,385
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$29,147
−HK$772/mo
Today · 4.125%
HK$29,919
baseline
▲ 0.50% · 4.625%
HK$31,496
+HK$1,577/mo
Deposit HK$3.73M · loan HK$5.59M · min. income ≈ HK$59,838/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$302,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,768
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$30,694
−HK$940/mo
Today · 4.125%
HK$31,634
baseline
▲ 0.50% · 4.625%
HK$33,559
+HK$1,925/mo
Deposit HK$2.80M · loan HK$6.53M · min. income ≈ HK$63,268/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$302,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,116
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$34,004
−HK$901/mo
Today · 4.125%
HK$34,905
baseline
▲ 0.50% · 4.625%
HK$36,745
+HK$1,840/mo
Deposit HK$2.80M · loan HK$6.53M · min. income ≈ HK$69,810/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$302,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,273
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$39,463
−HK$1,210/mo
Today · 4.125%
HK$40,673
baseline
▲ 0.50% · 4.625%
HK$43,148
+HK$2,475/mo
Deposit HK$932K · loan HK$8.39M · min. income ≈ HK$81,346/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$302,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,578
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$43,720
−HK$1,158/mo
Today · 4.125%
HK$44,878
baseline
▲ 0.50% · 4.625%
HK$47,244
+HK$2,366/mo
Deposit HK$932K · loan HK$8.39M · min. income ≈ HK$89,756/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$302,469 · 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).