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$21,232
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$21,893
−HK$671/mo
Today · 4.125%
HK$22,564
baseline
▲ 0.50% · 4.625%
HK$23,936
+HK$1,372/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$45,128/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$301,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,621
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$24,254
−HK$643/mo
Today · 4.125%
HK$24,897
baseline
▲ 0.50% · 4.625%
HK$26,209
+HK$1,312/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$49,794/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$301,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,479
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$26,271
−HK$805/mo
Today · 4.125%
HK$27,076
baseline
▲ 0.50% · 4.625%
HK$28,724
+HK$1,648/mo
Deposit HK$3.72M · loan HK$5.59M · min. income ≈ HK$54,152/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$301,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,345
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$29,105
−HK$771/mo
Today · 4.125%
HK$29,876
baseline
▲ 0.50% · 4.625%
HK$31,451
+HK$1,575/mo
Deposit HK$3.72M · loan HK$5.59M · min. income ≈ HK$59,752/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$301,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,725
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$30,650
−HK$939/mo
Today · 4.125%
HK$31,589
baseline
▲ 0.50% · 4.625%
HK$33,511
+HK$1,922/mo
Deposit HK$2.79M · loan HK$6.52M · min. income ≈ HK$63,178/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$301,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,069
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$33,956
−HK$899/mo
Today · 4.125%
HK$34,855
baseline
▲ 0.50% · 4.625%
HK$36,693
+HK$1,838/mo
Deposit HK$2.79M · loan HK$6.52M · min. income ≈ HK$69,710/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$301,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,218
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$39,407
−HK$1,207/mo
Today · 4.125%
HK$40,614
baseline
▲ 0.50% · 4.625%
HK$43,086
+HK$2,472/mo
Deposit HK$931K · loan HK$8.38M · min. income ≈ HK$81,228/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$301,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,517
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$43,657
−HK$1,157/mo
Today · 4.125%
HK$44,814
baseline
▲ 0.50% · 4.625%
HK$47,176
+HK$2,362/mo
Deposit HK$931K · loan HK$8.38M · min. income ≈ HK$89,628/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$301,129 · 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).