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$21,249
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$21,910
−HK$672/mo
Today · 4.125%
HK$22,582
baseline
▲ 0.50% · 4.625%
HK$23,956
+HK$1,374/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$45,164/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$301,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,639
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$24,273
−HK$644/mo
Today · 4.125%
HK$24,917
baseline
▲ 0.50% · 4.625%
HK$26,230
+HK$1,313/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$49,834/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$301,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,499
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$26,292
−HK$806/mo
Today · 4.125%
HK$27,098
baseline
▲ 0.50% · 4.625%
HK$28,747
+HK$1,649/mo
Deposit HK$3.73M · loan HK$5.59M · min. income ≈ HK$54,196/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$301,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,367
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$29,128
−HK$772/mo
Today · 4.125%
HK$29,900
baseline
▲ 0.50% · 4.625%
HK$31,476
+HK$1,576/mo
Deposit HK$3.73M · loan HK$5.59M · min. income ≈ HK$59,800/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$301,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,749
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$30,674
−HK$940/mo
Today · 4.125%
HK$31,614
baseline
▲ 0.50% · 4.625%
HK$33,538
+HK$1,924/mo
Deposit HK$2.80M · loan HK$6.52M · min. income ≈ HK$63,228/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$301,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,095
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$33,983
−HK$900/mo
Today · 4.125%
HK$34,883
baseline
▲ 0.50% · 4.625%
HK$36,722
+HK$1,839/mo
Deposit HK$2.80M · loan HK$6.52M · min. income ≈ HK$69,766/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$301,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,248
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$39,438
−HK$1,209/mo
Today · 4.125%
HK$40,647
baseline
▲ 0.50% · 4.625%
HK$43,120
+HK$2,473/mo
Deposit HK$932K · loan HK$8.39M · min. income ≈ HK$81,294/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$301,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,551
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$43,692
−HK$1,158/mo
Today · 4.125%
HK$44,850
baseline
▲ 0.50% · 4.625%
HK$47,214
+HK$2,364/mo
Deposit HK$932K · loan HK$8.39M · min. income ≈ HK$89,700/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$301,873 · 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).