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$21,239
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$21,899
−HK$672/mo
Today · 4.125%
HK$22,571
baseline
▲ 0.50% · 4.625%
HK$23,944
+HK$1,373/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$45,142/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$301,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,628
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$24,262
−HK$642/mo
Today · 4.125%
HK$24,904
baseline
▲ 0.50% · 4.625%
HK$26,217
+HK$1,313/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$49,808/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$301,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,486
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$26,279
−HK$806/mo
Today · 4.125%
HK$27,085
baseline
▲ 0.50% · 4.625%
HK$28,733
+HK$1,648/mo
Deposit HK$3.73M · loan HK$5.59M · min. income ≈ HK$54,170/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$301,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,353
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$29,114
−HK$771/mo
Today · 4.125%
HK$29,885
baseline
▲ 0.50% · 4.625%
HK$31,461
+HK$1,576/mo
Deposit HK$3.73M · loan HK$5.59M · min. income ≈ HK$59,770/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$301,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,734
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$30,659
−HK$940/mo
Today · 4.125%
HK$31,599
baseline
▲ 0.50% · 4.625%
HK$33,522
+HK$1,923/mo
Deposit HK$2.79M · loan HK$6.52M · min. income ≈ HK$63,198/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$301,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,079
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$33,966
−HK$900/mo
Today · 4.125%
HK$34,866
baseline
▲ 0.50% · 4.625%
HK$36,704
+HK$1,838/mo
Deposit HK$2.79M · loan HK$6.52M · min. income ≈ HK$69,732/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$301,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,230
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$39,419
−HK$1,208/mo
Today · 4.125%
HK$40,627
baseline
▲ 0.50% · 4.625%
HK$43,099
+HK$2,472/mo
Deposit HK$931K · loan HK$8.38M · min. income ≈ HK$81,254/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$301,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,530
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$43,671
−HK$1,157/mo
Today · 4.125%
HK$44,828
baseline
▲ 0.50% · 4.625%
HK$47,191
+HK$2,363/mo
Deposit HK$931K · loan HK$8.38M · min. income ≈ HK$89,656/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$301,418 · 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).