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$21,240
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$21,901
−HK$671/mo
Today · 4.125%
HK$22,572
baseline
▲ 0.50% · 4.625%
HK$23,945
+HK$1,373/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$45,144/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$301,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,629
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$24,263
−HK$643/mo
Today · 4.125%
HK$24,906
baseline
▲ 0.50% · 4.625%
HK$26,219
+HK$1,313/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$49,812/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$301,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,488
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$26,281
−HK$805/mo
Today · 4.125%
HK$27,086
baseline
▲ 0.50% · 4.625%
HK$28,735
+HK$1,649/mo
Deposit HK$3.73M · loan HK$5.59M · min. income ≈ HK$54,172/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$301,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,355
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$29,116
−HK$771/mo
Today · 4.125%
HK$29,887
baseline
▲ 0.50% · 4.625%
HK$31,463
+HK$1,576/mo
Deposit HK$3.73M · loan HK$5.59M · min. income ≈ HK$59,774/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$301,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,736
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$30,661
−HK$940/mo
Today · 4.125%
HK$31,601
baseline
▲ 0.50% · 4.625%
HK$33,524
+HK$1,923/mo
Deposit HK$2.79M · loan HK$6.52M · min. income ≈ HK$63,202/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$301,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,081
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$33,968
−HK$900/mo
Today · 4.125%
HK$34,868
baseline
▲ 0.50% · 4.625%
HK$36,706
+HK$1,838/mo
Deposit HK$2.79M · loan HK$6.52M · min. income ≈ HK$69,736/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$301,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,232
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$39,421
−HK$1,209/mo
Today · 4.125%
HK$40,630
baseline
▲ 0.50% · 4.625%
HK$43,102
+HK$2,472/mo
Deposit HK$931K · loan HK$8.38M · min. income ≈ HK$81,260/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$301,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,533
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$43,674
−HK$1,157/mo
Today · 4.125%
HK$44,831
baseline
▲ 0.50% · 4.625%
HK$47,194
+HK$2,363/mo
Deposit HK$931K · loan HK$8.38M · min. income ≈ HK$89,662/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$301,477 · 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).