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$21,234
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$21,894
−HK$671/mo
Today · 4.125%
HK$22,565
baseline
▲ 0.50% · 4.625%
HK$23,939
+HK$1,374/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$45,130/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$301,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,623
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$24,256
−HK$643/mo
Today · 4.125%
HK$24,899
baseline
▲ 0.50% · 4.625%
HK$26,211
+HK$1,312/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$49,798/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$301,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,481
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$26,273
−HK$806/mo
Today · 4.125%
HK$27,079
baseline
▲ 0.50% · 4.625%
HK$28,726
+HK$1,647/mo
Deposit HK$3.72M · loan HK$5.59M · min. income ≈ HK$54,158/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$301,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,347
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$29,107
−HK$772/mo
Today · 4.125%
HK$29,879
baseline
▲ 0.50% · 4.625%
HK$31,453
+HK$1,574/mo
Deposit HK$3.72M · loan HK$5.59M · min. income ≈ HK$59,758/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$301,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,727
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$30,652
−HK$940/mo
Today · 4.125%
HK$31,592
baseline
▲ 0.50% · 4.625%
HK$33,514
+HK$1,922/mo
Deposit HK$2.79M · loan HK$6.52M · min. income ≈ HK$63,184/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$301,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,072
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$33,958
−HK$900/mo
Today · 4.125%
HK$34,858
baseline
▲ 0.50% · 4.625%
HK$36,696
+HK$1,838/mo
Deposit HK$2.79M · loan HK$6.52M · min. income ≈ HK$69,716/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$301,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,221
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$39,410
−HK$1,208/mo
Today · 4.125%
HK$40,618
baseline
▲ 0.50% · 4.625%
HK$43,089
+HK$2,471/mo
Deposit HK$931K · loan HK$8.38M · min. income ≈ HK$81,236/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$301,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,521
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$43,661
−HK$1,157/mo
Today · 4.125%
HK$44,818
baseline
▲ 0.50% · 4.625%
HK$47,180
+HK$2,362/mo
Deposit HK$931K · loan HK$8.38M · min. income ≈ HK$89,636/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$301,208 · 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).