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$21,250
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$21,911
−HK$672/mo
Today · 4.125%
HK$22,583
baseline
▲ 0.50% · 4.625%
HK$23,957
+HK$1,374/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$45,166/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$301,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,641
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$24,275
−HK$643/mo
Today · 4.125%
HK$24,918
baseline
▲ 0.50% · 4.625%
HK$26,231
+HK$1,313/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$49,836/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$301,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,500
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$26,294
−HK$805/mo
Today · 4.125%
HK$27,099
baseline
▲ 0.50% · 4.625%
HK$28,748
+HK$1,649/mo
Deposit HK$3.73M · loan HK$5.59M · min. income ≈ HK$54,198/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$301,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,369
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$29,130
−HK$772/mo
Today · 4.125%
HK$29,902
baseline
▲ 0.50% · 4.625%
HK$31,478
+HK$1,576/mo
Deposit HK$3.73M · loan HK$5.59M · min. income ≈ HK$59,804/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$301,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,750
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$30,676
−HK$940/mo
Today · 4.125%
HK$31,616
baseline
▲ 0.50% · 4.625%
HK$33,540
+HK$1,924/mo
Deposit HK$2.80M · loan HK$6.52M · min. income ≈ HK$63,232/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$301,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,097
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$33,985
−HK$900/mo
Today · 4.125%
HK$34,885
baseline
▲ 0.50% · 4.625%
HK$36,724
+HK$1,839/mo
Deposit HK$2.80M · loan HK$6.52M · min. income ≈ HK$69,770/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$301,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,250
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$39,440
−HK$1,209/mo
Today · 4.125%
HK$40,649
baseline
▲ 0.50% · 4.625%
HK$43,123
+HK$2,474/mo
Deposit HK$932K · loan HK$8.39M · min. income ≈ HK$81,298/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$301,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,553
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$43,695
−HK$1,157/mo
Today · 4.125%
HK$44,852
baseline
▲ 0.50% · 4.625%
HK$47,217
+HK$2,365/mo
Deposit HK$932K · loan HK$8.39M · min. income ≈ HK$89,704/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$301,925 · 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).