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$21,236
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$21,897
−HK$671/mo
Today · 4.125%
HK$22,568
baseline
▲ 0.50% · 4.625%
HK$23,941
+HK$1,373/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$45,136/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$301,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,625
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$24,259
−HK$643/mo
Today · 4.125%
HK$24,902
baseline
▲ 0.50% · 4.625%
HK$26,214
+HK$1,312/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$49,804/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$301,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,484
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$26,276
−HK$806/mo
Today · 4.125%
HK$27,082
baseline
▲ 0.50% · 4.625%
HK$28,730
+HK$1,648/mo
Deposit HK$3.73M · loan HK$5.59M · min. income ≈ HK$54,164/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$301,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,350
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$29,111
−HK$771/mo
Today · 4.125%
HK$29,882
baseline
▲ 0.50% · 4.625%
HK$31,457
+HK$1,575/mo
Deposit HK$3.73M · loan HK$5.59M · min. income ≈ HK$59,764/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$301,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,731
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$30,656
−HK$939/mo
Today · 4.125%
HK$31,595
baseline
▲ 0.50% · 4.625%
HK$33,518
+HK$1,923/mo
Deposit HK$2.79M · loan HK$6.52M · min. income ≈ HK$63,190/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$301,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,075
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$33,962
−HK$900/mo
Today · 4.125%
HK$34,862
baseline
▲ 0.50% · 4.625%
HK$36,700
+HK$1,838/mo
Deposit HK$2.79M · loan HK$6.52M · min. income ≈ HK$69,724/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$301,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,226
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$39,415
−HK$1,208/mo
Today · 4.125%
HK$40,623
baseline
▲ 0.50% · 4.625%
HK$43,094
+HK$2,471/mo
Deposit HK$931K · loan HK$8.38M · min. income ≈ HK$81,246/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$301,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,526
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$43,666
−HK$1,157/mo
Today · 4.125%
HK$44,823
baseline
▲ 0.50% · 4.625%
HK$47,186
+HK$2,363/mo
Deposit HK$931K · loan HK$8.38M · min. income ≈ HK$89,646/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$301,318 · 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).