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$21,250
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$21,911
−HK$671/mo
Today · 4.125%
HK$22,582
baseline
▲ 0.50% · 4.625%
HK$23,956
+HK$1,374/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$45,164/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$301,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,640
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$24,274
−HK$643/mo
Today · 4.125%
HK$24,917
baseline
▲ 0.50% · 4.625%
HK$26,231
+HK$1,314/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$49,834/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$301,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,500
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$26,293
−HK$806/mo
Today · 4.125%
HK$27,099
baseline
▲ 0.50% · 4.625%
HK$28,747
+HK$1,648/mo
Deposit HK$3.73M · loan HK$5.59M · min. income ≈ HK$54,198/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$301,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,368
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$29,129
−HK$772/mo
Today · 4.125%
HK$29,901
baseline
▲ 0.50% · 4.625%
HK$31,477
+HK$1,576/mo
Deposit HK$3.73M · loan HK$5.59M · min. income ≈ HK$59,802/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$301,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,749
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$30,675
−HK$940/mo
Today · 4.125%
HK$31,615
baseline
▲ 0.50% · 4.625%
HK$33,539
+HK$1,924/mo
Deposit HK$2.80M · loan HK$6.52M · min. income ≈ HK$63,230/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$301,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,096
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$33,984
−HK$900/mo
Today · 4.125%
HK$34,884
baseline
▲ 0.50% · 4.625%
HK$36,723
+HK$1,839/mo
Deposit HK$2.80M · loan HK$6.52M · min. income ≈ HK$69,768/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$301,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,249
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$39,439
−HK$1,209/mo
Today · 4.125%
HK$40,648
baseline
▲ 0.50% · 4.625%
HK$43,121
+HK$2,473/mo
Deposit HK$932K · loan HK$8.39M · min. income ≈ HK$81,296/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$301,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,552
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$43,693
−HK$1,158/mo
Today · 4.125%
HK$44,851
baseline
▲ 0.50% · 4.625%
HK$47,215
+HK$2,364/mo
Deposit HK$932K · loan HK$8.39M · min. income ≈ HK$89,702/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$301,896 · 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).