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$21,236
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$21,896
−HK$671/mo
Today · 4.125%
HK$22,567
baseline
▲ 0.50% · 4.625%
HK$23,940
+HK$1,373/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$45,134/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$301,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,624
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$24,258
−HK$643/mo
Today · 4.125%
HK$24,901
baseline
▲ 0.50% · 4.625%
HK$26,213
+HK$1,312/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$49,802/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$301,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,483
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$26,275
−HK$806/mo
Today · 4.125%
HK$27,081
baseline
▲ 0.50% · 4.625%
HK$28,728
+HK$1,647/mo
Deposit HK$3.73M · loan HK$5.59M · min. income ≈ HK$54,162/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$301,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,349
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$29,109
−HK$772/mo
Today · 4.125%
HK$29,881
baseline
▲ 0.50% · 4.625%
HK$31,456
+HK$1,575/mo
Deposit HK$3.73M · loan HK$5.59M · min. income ≈ HK$59,762/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$301,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,730
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$30,654
−HK$940/mo
Today · 4.125%
HK$31,594
baseline
▲ 0.50% · 4.625%
HK$33,516
+HK$1,922/mo
Deposit HK$2.79M · loan HK$6.52M · min. income ≈ HK$63,188/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$301,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,074
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$33,961
−HK$900/mo
Today · 4.125%
HK$34,861
baseline
▲ 0.50% · 4.625%
HK$36,698
+HK$1,837/mo
Deposit HK$2.79M · loan HK$6.52M · min. income ≈ HK$69,722/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$301,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,224
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$39,413
−HK$1,208/mo
Today · 4.125%
HK$40,621
baseline
▲ 0.50% · 4.625%
HK$43,093
+HK$2,472/mo
Deposit HK$931K · loan HK$8.38M · min. income ≈ HK$81,242/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$301,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,524
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$43,664
−HK$1,157/mo
Today · 4.125%
HK$44,821
baseline
▲ 0.50% · 4.625%
HK$47,184
+HK$2,363/mo
Deposit HK$931K · loan HK$8.38M · min. income ≈ HK$89,642/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$301,277 · 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).