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$21,256
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$21,917
−HK$672/mo
Today · 4.125%
HK$22,589
baseline
▲ 0.50% · 4.625%
HK$23,963
+HK$1,374/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$45,178/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$302,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,647
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$24,281
−HK$644/mo
Today · 4.125%
HK$24,925
baseline
▲ 0.50% · 4.625%
HK$26,239
+HK$1,314/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$49,850/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$302,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,507
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$26,301
−HK$806/mo
Today · 4.125%
HK$27,107
baseline
▲ 0.50% · 4.625%
HK$28,756
+HK$1,649/mo
Deposit HK$3.73M · loan HK$5.59M · min. income ≈ HK$54,214/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$302,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,377
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$29,138
−HK$772/mo
Today · 4.125%
HK$29,910
baseline
▲ 0.50% · 4.625%
HK$31,486
+HK$1,576/mo
Deposit HK$3.73M · loan HK$5.59M · min. income ≈ HK$59,820/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$302,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,758
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$30,684
−HK$941/mo
Today · 4.125%
HK$31,625
baseline
▲ 0.50% · 4.625%
HK$33,549
+HK$1,924/mo
Deposit HK$2.80M · loan HK$6.53M · min. income ≈ HK$63,250/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$302,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,106
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$33,994
−HK$901/mo
Today · 4.125%
HK$34,895
baseline
▲ 0.50% · 4.625%
HK$36,734
+HK$1,839/mo
Deposit HK$2.80M · loan HK$6.53M · min. income ≈ HK$69,790/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$302,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,261
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$39,451
−HK$1,209/mo
Today · 4.125%
HK$40,660
baseline
▲ 0.50% · 4.625%
HK$43,134
+HK$2,474/mo
Deposit HK$932K · loan HK$8.39M · min. income ≈ HK$81,320/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$302,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,565
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$43,706
−HK$1,159/mo
Today · 4.125%
HK$44,865
baseline
▲ 0.50% · 4.625%
HK$47,229
+HK$2,364/mo
Deposit HK$932K · loan HK$8.39M · min. income ≈ HK$89,730/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$302,179 · 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).