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$21,252
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$21,913
−HK$671/mo
Today · 4.125%
HK$22,584
baseline
▲ 0.50% · 4.625%
HK$23,959
+HK$1,375/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$45,168/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$301,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,642
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$24,276
−HK$644/mo
Today · 4.125%
HK$24,920
baseline
▲ 0.50% · 4.625%
HK$26,233
+HK$1,313/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$49,840/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$301,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,502
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$26,295
−HK$806/mo
Today · 4.125%
HK$27,101
baseline
▲ 0.50% · 4.625%
HK$28,750
+HK$1,649/mo
Deposit HK$3.73M · loan HK$5.59M · min. income ≈ HK$54,202/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$301,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,371
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$29,132
−HK$772/mo
Today · 4.125%
HK$29,904
baseline
▲ 0.50% · 4.625%
HK$31,480
+HK$1,576/mo
Deposit HK$3.73M · loan HK$5.59M · min. income ≈ HK$59,808/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$301,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,752
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$30,678
−HK$940/mo
Today · 4.125%
HK$31,618
baseline
▲ 0.50% · 4.625%
HK$33,542
+HK$1,924/mo
Deposit HK$2.80M · loan HK$6.52M · min. income ≈ HK$63,236/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$301,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,099
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$33,987
−HK$901/mo
Today · 4.125%
HK$34,888
baseline
▲ 0.50% · 4.625%
HK$36,727
+HK$1,839/mo
Deposit HK$2.80M · loan HK$6.52M · min. income ≈ HK$69,776/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$301,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,253
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$39,443
−HK$1,209/mo
Today · 4.125%
HK$40,652
baseline
▲ 0.50% · 4.625%
HK$43,126
+HK$2,474/mo
Deposit HK$932K · loan HK$8.39M · min. income ≈ HK$81,304/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$301,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,556
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$43,698
−HK$1,157/mo
Today · 4.125%
HK$44,855
baseline
▲ 0.50% · 4.625%
HK$47,220
+HK$2,365/mo
Deposit HK$932K · loan HK$8.39M · min. income ≈ HK$89,710/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$301,991 · 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).