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$21,900
−HK$671/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$301,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,628
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$24,262
−HK$643/mo
Today · 4.125%
HK$24,905
baseline
▲ 0.50% · 4.625%
HK$26,218
+HK$1,313/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$49,810/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$301,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,487
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$26,280
−HK$805/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$301,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,354
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$29,114
−HK$772/mo
Today · 4.125%
HK$29,886
baseline
▲ 0.50% · 4.625%
HK$31,461
+HK$1,575/mo
Deposit HK$3.73M · loan HK$5.59M · min. income ≈ HK$59,772/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$301,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,735
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$30,660
−HK$939/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$301,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,079
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$33,967
−HK$900/mo
Today · 4.125%
HK$34,867
baseline
▲ 0.50% · 4.625%
HK$36,705
+HK$1,838/mo
Deposit HK$2.79M · loan HK$6.52M · min. income ≈ HK$69,734/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$301,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,230
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$39,419
−HK$1,209/mo
Today · 4.125%
HK$40,628
baseline
▲ 0.50% · 4.625%
HK$43,100
+HK$2,472/mo
Deposit HK$931K · loan HK$8.38M · min. income ≈ HK$81,256/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$301,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,531
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$43,671
−HK$1,158/mo
Today · 4.125%
HK$44,829
baseline
▲ 0.50% · 4.625%
HK$47,192
+HK$2,363/mo
Deposit HK$931K · loan HK$8.38M · min. income ≈ HK$89,658/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$301,431 · 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).