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$21,254
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$21,915
−HK$671/mo
Today · 4.125%
HK$22,586
baseline
▲ 0.50% · 4.625%
HK$23,961
+HK$1,375/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$45,172/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$302,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,644
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$24,279
−HK$643/mo
Today · 4.125%
HK$24,922
baseline
▲ 0.50% · 4.625%
HK$26,236
+HK$1,314/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$49,844/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$302,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,504
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$26,298
−HK$806/mo
Today · 4.125%
HK$27,104
baseline
▲ 0.50% · 4.625%
HK$28,753
+HK$1,649/mo
Deposit HK$3.73M · loan HK$5.59M · min. income ≈ HK$54,208/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$302,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,373
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$29,134
−HK$772/mo
Today · 4.125%
HK$29,906
baseline
▲ 0.50% · 4.625%
HK$31,483
+HK$1,577/mo
Deposit HK$3.73M · loan HK$5.59M · min. income ≈ HK$59,812/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$302,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,755
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$30,681
−HK$940/mo
Today · 4.125%
HK$31,621
baseline
▲ 0.50% · 4.625%
HK$33,545
+HK$1,924/mo
Deposit HK$2.80M · loan HK$6.52M · min. income ≈ HK$63,242/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$302,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,102
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$33,990
−HK$901/mo
Today · 4.125%
HK$34,891
baseline
▲ 0.50% · 4.625%
HK$36,730
+HK$1,839/mo
Deposit HK$2.80M · loan HK$6.52M · min. income ≈ HK$69,782/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$302,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,257
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$39,447
−HK$1,209/mo
Today · 4.125%
HK$40,656
baseline
▲ 0.50% · 4.625%
HK$43,129
+HK$2,473/mo
Deposit HK$932K · loan HK$8.39M · min. income ≈ HK$81,312/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$302,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,560
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$43,701
−HK$1,158/mo
Today · 4.125%
HK$44,859
baseline
▲ 0.50% · 4.625%
HK$47,224
+HK$2,365/mo
Deposit HK$932K · loan HK$8.39M · min. income ≈ HK$89,718/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$302,073 · 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).