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$21,258
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$21,919
−HK$672/mo
Today · 4.125%
HK$22,591
baseline
▲ 0.50% · 4.625%
HK$23,966
+HK$1,375/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$45,182/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$302,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,649
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$24,284
−HK$643/mo
Today · 4.125%
HK$24,927
baseline
▲ 0.50% · 4.625%
HK$26,241
+HK$1,314/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$49,854/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$302,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,510
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$26,303
−HK$806/mo
Today · 4.125%
HK$27,109
baseline
▲ 0.50% · 4.625%
HK$28,759
+HK$1,650/mo
Deposit HK$3.73M · loan HK$5.59M · min. income ≈ HK$54,218/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$302,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,379
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$29,140
−HK$772/mo
Today · 4.125%
HK$29,912
baseline
▲ 0.50% · 4.625%
HK$31,489
+HK$1,577/mo
Deposit HK$3.73M · loan HK$5.59M · min. income ≈ HK$59,824/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$302,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,761
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$30,687
−HK$941/mo
Today · 4.125%
HK$31,628
baseline
▲ 0.50% · 4.625%
HK$33,552
+HK$1,924/mo
Deposit HK$2.80M · loan HK$6.53M · min. income ≈ HK$63,256/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$302,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,109
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$33,997
−HK$901/mo
Today · 4.125%
HK$34,898
baseline
▲ 0.50% · 4.625%
HK$36,737
+HK$1,839/mo
Deposit HK$2.80M · loan HK$6.53M · min. income ≈ HK$69,796/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$302,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,264
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$39,455
−HK$1,209/mo
Today · 4.125%
HK$40,664
baseline
▲ 0.50% · 4.625%
HK$43,138
+HK$2,474/mo
Deposit HK$932K · loan HK$8.39M · min. income ≈ HK$81,328/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$302,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,569
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$43,710
−HK$1,159/mo
Today · 4.125%
HK$44,869
baseline
▲ 0.50% · 4.625%
HK$47,234
+HK$2,365/mo
Deposit HK$932K · loan HK$8.39M · min. income ≈ HK$89,738/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$302,265 · 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).