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$21,245
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$21,906
−HK$672/mo
Today · 4.125%
HK$22,578
baseline
▲ 0.50% · 4.625%
HK$23,951
+HK$1,373/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$45,156/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$301,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,635
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$24,269
−HK$643/mo
Today · 4.125%
HK$24,912
baseline
▲ 0.50% · 4.625%
HK$26,225
+HK$1,313/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$49,824/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$301,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,494
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$26,287
−HK$806/mo
Today · 4.125%
HK$27,093
baseline
▲ 0.50% · 4.625%
HK$28,742
+HK$1,649/mo
Deposit HK$3.73M · loan HK$5.59M · min. income ≈ HK$54,186/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$301,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,362
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$29,123
−HK$772/mo
Today · 4.125%
HK$29,895
baseline
▲ 0.50% · 4.625%
HK$31,470
+HK$1,575/mo
Deposit HK$3.73M · loan HK$5.59M · min. income ≈ HK$59,790/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$301,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,743
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$30,669
−HK$940/mo
Today · 4.125%
HK$31,609
baseline
▲ 0.50% · 4.625%
HK$33,532
+HK$1,923/mo
Deposit HK$2.80M · loan HK$6.52M · min. income ≈ HK$63,218/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$301,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,089
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$33,977
−HK$900/mo
Today · 4.125%
HK$34,877
baseline
▲ 0.50% · 4.625%
HK$36,715
+HK$1,838/mo
Deposit HK$2.80M · loan HK$6.52M · min. income ≈ HK$69,754/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$301,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,242
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$39,431
−HK$1,209/mo
Today · 4.125%
HK$40,640
baseline
▲ 0.50% · 4.625%
HK$43,112
+HK$2,472/mo
Deposit HK$932K · loan HK$8.39M · min. income ≈ HK$81,280/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$301,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,543
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$43,684
−HK$1,158/mo
Today · 4.125%
HK$44,842
baseline
▲ 0.50% · 4.625%
HK$47,205
+HK$2,363/mo
Deposit HK$932K · loan HK$8.39M · min. income ≈ HK$89,684/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$301,706 · 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).