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$21,244
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$21,905
−HK$671/mo
Today · 4.125%
HK$22,576
baseline
▲ 0.50% · 4.625%
HK$23,950
+HK$1,374/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$45,152/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$301,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,633
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$24,267
−HK$643/mo
Today · 4.125%
HK$24,910
baseline
▲ 0.50% · 4.625%
HK$26,223
+HK$1,313/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$49,820/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$301,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,492
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$26,285
−HK$806/mo
Today · 4.125%
HK$27,091
baseline
▲ 0.50% · 4.625%
HK$28,740
+HK$1,649/mo
Deposit HK$3.73M · loan HK$5.59M · min. income ≈ HK$54,182/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$301,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,360
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$29,121
−HK$771/mo
Today · 4.125%
HK$29,892
baseline
▲ 0.50% · 4.625%
HK$31,468
+HK$1,576/mo
Deposit HK$3.73M · loan HK$5.59M · min. income ≈ HK$59,784/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$301,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,741
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$30,666
−HK$940/mo
Today · 4.125%
HK$31,606
baseline
▲ 0.50% · 4.625%
HK$33,529
+HK$1,923/mo
Deposit HK$2.79M · loan HK$6.52M · min. income ≈ HK$63,212/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$301,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,087
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$33,974
−HK$900/mo
Today · 4.125%
HK$34,874
baseline
▲ 0.50% · 4.625%
HK$36,713
+HK$1,839/mo
Deposit HK$2.79M · loan HK$6.52M · min. income ≈ HK$69,748/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$301,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,239
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$39,428
−HK$1,209/mo
Today · 4.125%
HK$40,637
baseline
▲ 0.50% · 4.625%
HK$43,109
+HK$2,472/mo
Deposit HK$932K · loan HK$8.38M · min. income ≈ HK$81,274/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$301,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,540
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$43,681
−HK$1,158/mo
Today · 4.125%
HK$44,839
baseline
▲ 0.50% · 4.625%
HK$47,202
+HK$2,363/mo
Deposit HK$932K · loan HK$8.38M · min. income ≈ HK$89,678/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$301,639 · 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).