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$21,234
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$21,895
−HK$671/mo
Today · 4.125%
HK$22,566
baseline
▲ 0.50% · 4.625%
HK$23,939
+HK$1,373/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$45,132/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$301,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,623
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$24,257
−HK$642/mo
Today · 4.125%
HK$24,899
baseline
▲ 0.50% · 4.625%
HK$26,212
+HK$1,313/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$49,798/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$301,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,481
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$26,274
−HK$805/mo
Today · 4.125%
HK$27,079
baseline
▲ 0.50% · 4.625%
HK$28,727
+HK$1,648/mo
Deposit HK$3.72M · loan HK$5.59M · min. income ≈ HK$54,158/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$301,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,348
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$29,108
−HK$771/mo
Today · 4.125%
HK$29,879
baseline
▲ 0.50% · 4.625%
HK$31,454
+HK$1,575/mo
Deposit HK$3.72M · loan HK$5.59M · min. income ≈ HK$59,758/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$301,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,728
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$30,653
−HK$939/mo
Today · 4.125%
HK$31,592
baseline
▲ 0.50% · 4.625%
HK$33,515
+HK$1,923/mo
Deposit HK$2.79M · loan HK$6.52M · min. income ≈ HK$63,184/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$301,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,072
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$33,959
−HK$900/mo
Today · 4.125%
HK$34,859
baseline
▲ 0.50% · 4.625%
HK$36,697
+HK$1,838/mo
Deposit HK$2.79M · loan HK$6.52M · min. income ≈ HK$69,718/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$301,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,222
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$39,411
−HK$1,208/mo
Today · 4.125%
HK$40,619
baseline
▲ 0.50% · 4.625%
HK$43,090
+HK$2,471/mo
Deposit HK$931K · loan HK$8.38M · min. income ≈ HK$81,238/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$301,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,522
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$43,662
−HK$1,157/mo
Today · 4.125%
HK$44,819
baseline
▲ 0.50% · 4.625%
HK$47,181
+HK$2,362/mo
Deposit HK$931K · loan HK$8.38M · min. income ≈ HK$89,638/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$301,229 · 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).