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$21,242
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$21,903
−HK$671/mo
Today · 4.125%
HK$22,574
baseline
▲ 0.50% · 4.625%
HK$23,947
+HK$1,373/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$45,148/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$301,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,631
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$24,265
−HK$643/mo
Today · 4.125%
HK$24,908
baseline
▲ 0.50% · 4.625%
HK$26,221
+HK$1,313/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$49,816/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$301,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,490
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$26,283
−HK$806/mo
Today · 4.125%
HK$27,089
baseline
▲ 0.50% · 4.625%
HK$28,737
+HK$1,648/mo
Deposit HK$3.73M · loan HK$5.59M · min. income ≈ HK$54,178/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$301,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,358
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$29,118
−HK$772/mo
Today · 4.125%
HK$29,890
baseline
▲ 0.50% · 4.625%
HK$31,465
+HK$1,575/mo
Deposit HK$3.73M · loan HK$5.59M · min. income ≈ HK$59,780/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$301,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,738
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$30,664
−HK$939/mo
Today · 4.125%
HK$31,603
baseline
▲ 0.50% · 4.625%
HK$33,526
+HK$1,923/mo
Deposit HK$2.79M · loan HK$6.52M · min. income ≈ HK$63,206/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$301,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,084
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$33,971
−HK$900/mo
Today · 4.125%
HK$34,871
baseline
▲ 0.50% · 4.625%
HK$36,709
+HK$1,838/mo
Deposit HK$2.79M · loan HK$6.52M · min. income ≈ HK$69,742/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$301,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,235
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$39,425
−HK$1,208/mo
Today · 4.125%
HK$40,633
baseline
▲ 0.50% · 4.625%
HK$43,105
+HK$2,472/mo
Deposit HK$932K · loan HK$8.38M · min. income ≈ HK$81,266/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$301,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,536
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$43,677
−HK$1,157/mo
Today · 4.125%
HK$44,834
baseline
▲ 0.50% · 4.625%
HK$47,198
+HK$2,364/mo
Deposit HK$932K · loan HK$8.38M · min. income ≈ HK$89,668/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$301,552 · 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).