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$21,230
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$21,890
−HK$671/mo
Today · 4.125%
HK$22,561
baseline
▲ 0.50% · 4.625%
HK$23,934
+HK$1,373/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$45,122/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$301,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,618
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$24,251
−HK$643/mo
Today · 4.125%
HK$24,894
baseline
▲ 0.50% · 4.625%
HK$26,206
+HK$1,312/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$49,788/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$301,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,476
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$26,268
−HK$805/mo
Today · 4.125%
HK$27,073
baseline
▲ 0.50% · 4.625%
HK$28,721
+HK$1,648/mo
Deposit HK$3.72M · loan HK$5.59M · min. income ≈ HK$54,146/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$301,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,341
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$29,102
−HK$771/mo
Today · 4.125%
HK$29,873
baseline
▲ 0.50% · 4.625%
HK$31,447
+HK$1,574/mo
Deposit HK$3.72M · loan HK$5.59M · min. income ≈ HK$59,746/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$301,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,722
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$30,646
−HK$939/mo
Today · 4.125%
HK$31,585
baseline
▲ 0.50% · 4.625%
HK$33,507
+HK$1,922/mo
Deposit HK$2.79M · loan HK$6.52M · min. income ≈ HK$63,170/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$301,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,065
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$33,952
−HK$899/mo
Today · 4.125%
HK$34,851
baseline
▲ 0.50% · 4.625%
HK$36,689
+HK$1,838/mo
Deposit HK$2.79M · loan HK$6.52M · min. income ≈ HK$69,702/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$301,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,214
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$39,402
−HK$1,208/mo
Today · 4.125%
HK$40,610
baseline
▲ 0.50% · 4.625%
HK$43,081
+HK$2,471/mo
Deposit HK$931K · loan HK$8.38M · min. income ≈ HK$81,220/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$301,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,512
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$43,652
−HK$1,157/mo
Today · 4.125%
HK$44,809
baseline
▲ 0.50% · 4.625%
HK$47,171
+HK$2,362/mo
Deposit HK$931K · loan HK$8.38M · min. income ≈ HK$89,618/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$301,026 · 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).