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$23,948
+HK$1,374/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$301,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,632
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$24,266
−HK$642/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$301,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,491
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$26,284
−HK$805/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$301,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,358
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$29,119
−HK$771/mo
Today · 4.125%
HK$29,890
baseline
▲ 0.50% · 4.625%
HK$31,466
+HK$1,576/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$301,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,739
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$30,664
−HK$940/mo
Today · 4.125%
HK$31,604
baseline
▲ 0.50% · 4.625%
HK$33,527
+HK$1,923/mo
Deposit HK$2.79M · loan HK$6.52M · min. income ≈ HK$63,208/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$301,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,084
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$33,972
−HK$900/mo
Today · 4.125%
HK$34,872
baseline
▲ 0.50% · 4.625%
HK$36,710
+HK$1,838/mo
Deposit HK$2.79M · loan HK$6.52M · min. income ≈ HK$69,744/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$301,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,236
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$39,425
−HK$1,209/mo
Today · 4.125%
HK$40,634
baseline
▲ 0.50% · 4.625%
HK$43,106
+HK$2,472/mo
Deposit HK$932K · loan HK$8.38M · min. income ≈ HK$81,268/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$301,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,537
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$43,678
−HK$1,157/mo
Today · 4.125%
HK$44,835
baseline
▲ 0.50% · 4.625%
HK$47,199
+HK$2,364/mo
Deposit HK$932K · loan HK$8.38M · min. income ≈ HK$89,670/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$301,570 · 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).