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$21,264
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$21,925
−HK$672/mo
Today · 4.125%
HK$22,597
baseline
▲ 0.50% · 4.625%
HK$23,972
+HK$1,375/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$45,194/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$302,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,656
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$24,290
−HK$644/mo
Today · 4.125%
HK$24,934
baseline
▲ 0.50% · 4.625%
HK$26,248
+HK$1,314/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$49,868/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$302,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,516
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$26,310
−HK$806/mo
Today · 4.125%
HK$27,116
baseline
▲ 0.50% · 4.625%
HK$28,766
+HK$1,650/mo
Deposit HK$3.73M · loan HK$5.60M · min. income ≈ HK$54,232/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$302,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,387
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$29,148
−HK$772/mo
Today · 4.125%
HK$29,920
baseline
▲ 0.50% · 4.625%
HK$31,497
+HK$1,577/mo
Deposit HK$3.73M · loan HK$5.60M · min. income ≈ HK$59,840/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$302,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,769
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$30,695
−HK$941/mo
Today · 4.125%
HK$31,636
baseline
▲ 0.50% · 4.625%
HK$33,561
+HK$1,925/mo
Deposit HK$2.80M · loan HK$6.53M · min. income ≈ HK$63,272/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$302,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,118
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$34,006
−HK$901/mo
Today · 4.125%
HK$34,907
baseline
▲ 0.50% · 4.625%
HK$36,747
+HK$1,840/mo
Deposit HK$2.80M · loan HK$6.53M · min. income ≈ HK$69,814/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$302,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,274
−HK$2,401/mo
▼ 0.25% · 3.875%
HK$39,465
−HK$1,210/mo
Today · 4.125%
HK$40,675
baseline
▲ 0.50% · 4.625%
HK$43,150
+HK$2,475/mo
Deposit HK$933K · loan HK$8.39M · min. income ≈ HK$81,350/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$302,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,580
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$43,722
−HK$1,158/mo
Today · 4.125%
HK$44,880
baseline
▲ 0.50% · 4.625%
HK$47,246
+HK$2,366/mo
Deposit HK$933K · loan HK$8.39M · min. income ≈ HK$89,760/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$302,509 · 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).