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$21,255
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$21,916
−HK$671/mo
Today · 4.125%
HK$22,587
baseline
▲ 0.50% · 4.625%
HK$23,962
+HK$1,375/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$45,174/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$302,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,645
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$24,280
−HK$643/mo
Today · 4.125%
HK$24,923
baseline
▲ 0.50% · 4.625%
HK$26,237
+HK$1,314/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$49,846/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$302,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,505
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$26,299
−HK$806/mo
Today · 4.125%
HK$27,105
baseline
▲ 0.50% · 4.625%
HK$28,754
+HK$1,649/mo
Deposit HK$3.73M · loan HK$5.59M · min. income ≈ HK$54,210/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$302,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,375
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$29,136
−HK$772/mo
Today · 4.125%
HK$29,908
baseline
▲ 0.50% · 4.625%
HK$31,484
+HK$1,576/mo
Deposit HK$3.73M · loan HK$5.59M · min. income ≈ HK$59,816/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$302,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,756
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$30,682
−HK$940/mo
Today · 4.125%
HK$31,622
baseline
▲ 0.50% · 4.625%
HK$33,546
+HK$1,924/mo
Deposit HK$2.80M · loan HK$6.52M · min. income ≈ HK$63,244/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$302,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,104
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$33,991
−HK$901/mo
Today · 4.125%
HK$34,892
baseline
▲ 0.50% · 4.625%
HK$36,731
+HK$1,839/mo
Deposit HK$2.80M · loan HK$6.52M · min. income ≈ HK$69,784/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$302,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,258
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$39,448
−HK$1,209/mo
Today · 4.125%
HK$40,657
baseline
▲ 0.50% · 4.625%
HK$43,131
+HK$2,474/mo
Deposit HK$932K · loan HK$8.39M · min. income ≈ HK$81,314/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$302,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,562
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$43,703
−HK$1,158/mo
Today · 4.125%
HK$44,861
baseline
▲ 0.50% · 4.625%
HK$47,226
+HK$2,365/mo
Deposit HK$932K · loan HK$8.39M · min. income ≈ HK$89,722/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$302,112 · 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).