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$23,938
+HK$1,373/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$301,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,622
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$24,256
−HK$642/mo
Today · 4.125%
HK$24,898
baseline
▲ 0.50% · 4.625%
HK$26,211
+HK$1,313/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$49,796/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$301,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,480
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$26,273
−HK$805/mo
Today · 4.125%
HK$27,078
baseline
▲ 0.50% · 4.625%
HK$28,726
+HK$1,648/mo
Deposit HK$3.72M · loan HK$5.59M · min. income ≈ HK$54,156/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$301,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,347
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$29,107
−HK$771/mo
Today · 4.125%
HK$29,878
baseline
▲ 0.50% · 4.625%
HK$31,453
+HK$1,575/mo
Deposit HK$3.72M · loan HK$5.59M · min. income ≈ HK$59,756/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$301,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,727
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$30,652
−HK$939/mo
Today · 4.125%
HK$31,591
baseline
▲ 0.50% · 4.625%
HK$33,514
+HK$1,923/mo
Deposit HK$2.79M · loan HK$6.52M · min. income ≈ HK$63,182/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$301,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,071
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$33,958
−HK$900/mo
Today · 4.125%
HK$34,858
baseline
▲ 0.50% · 4.625%
HK$36,695
+HK$1,837/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$301,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,221
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$39,409
−HK$1,208/mo
Today · 4.125%
HK$40,617
baseline
▲ 0.50% · 4.625%
HK$43,089
+HK$2,472/mo
Deposit HK$931K · loan HK$8.38M · min. income ≈ HK$81,234/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$301,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,520
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$43,660
−HK$1,157/mo
Today · 4.125%
HK$44,817
baseline
▲ 0.50% · 4.625%
HK$47,180
+HK$2,363/mo
Deposit HK$931K · loan HK$8.38M · min. income ≈ HK$89,634/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$301,196 · 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).