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$21,251
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$21,912
−HK$671/mo
Today · 4.125%
HK$22,583
baseline
▲ 0.50% · 4.625%
HK$23,958
+HK$1,375/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$45,166/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$301,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,641
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$24,275
−HK$644/mo
Today · 4.125%
HK$24,919
baseline
▲ 0.50% · 4.625%
HK$26,232
+HK$1,313/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$49,838/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$301,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,501
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$26,294
−HK$806/mo
Today · 4.125%
HK$27,100
baseline
▲ 0.50% · 4.625%
HK$28,749
+HK$1,649/mo
Deposit HK$3.73M · loan HK$5.59M · min. income ≈ HK$54,200/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$301,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,369
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$29,130
−HK$772/mo
Today · 4.125%
HK$29,902
baseline
▲ 0.50% · 4.625%
HK$31,478
+HK$1,576/mo
Deposit HK$3.73M · loan HK$5.59M · min. income ≈ HK$59,804/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$301,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,751
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$30,676
−HK$941/mo
Today · 4.125%
HK$31,617
baseline
▲ 0.50% · 4.625%
HK$33,541
+HK$1,924/mo
Deposit HK$2.80M · loan HK$6.52M · min. income ≈ HK$63,234/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$301,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,098
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$33,985
−HK$901/mo
Today · 4.125%
HK$34,886
baseline
▲ 0.50% · 4.625%
HK$36,725
+HK$1,839/mo
Deposit HK$2.80M · loan HK$6.52M · min. income ≈ HK$69,772/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$301,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,251
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$39,441
−HK$1,209/mo
Today · 4.125%
HK$40,650
baseline
▲ 0.50% · 4.625%
HK$43,124
+HK$2,474/mo
Deposit HK$932K · loan HK$8.39M · min. income ≈ HK$81,300/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$301,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,554
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$43,696
−HK$1,157/mo
Today · 4.125%
HK$44,853
baseline
▲ 0.50% · 4.625%
HK$47,218
+HK$2,365/mo
Deposit HK$932K · loan HK$8.39M · min. income ≈ HK$89,706/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$301,946 · 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).