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$21,265
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$21,926
−HK$672/mo
Today · 4.125%
HK$22,598
baseline
▲ 0.50% · 4.625%
HK$23,973
+HK$1,375/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$45,196/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$302,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,657
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$24,291
−HK$644/mo
Today · 4.125%
HK$24,935
baseline
▲ 0.50% · 4.625%
HK$26,249
+HK$1,314/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$49,870/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$302,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,518
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$26,311
−HK$807/mo
Today · 4.125%
HK$27,118
baseline
▲ 0.50% · 4.625%
HK$28,768
+HK$1,650/mo
Deposit HK$3.73M · loan HK$5.60M · min. income ≈ HK$54,236/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$302,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,388
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$29,150
−HK$772/mo
Today · 4.125%
HK$29,922
baseline
▲ 0.50% · 4.625%
HK$31,499
+HK$1,577/mo
Deposit HK$3.73M · loan HK$5.60M · min. income ≈ HK$59,844/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$302,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,771
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$30,697
−HK$940/mo
Today · 4.125%
HK$31,637
baseline
▲ 0.50% · 4.625%
HK$33,563
+HK$1,926/mo
Deposit HK$2.80M · loan HK$6.53M · min. income ≈ HK$63,274/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$302,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,120
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$34,008
−HK$901/mo
Today · 4.125%
HK$34,909
baseline
▲ 0.50% · 4.625%
HK$36,749
+HK$1,840/mo
Deposit HK$2.80M · loan HK$6.53M · min. income ≈ HK$69,818/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$302,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,277
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$39,467
−HK$1,210/mo
Today · 4.125%
HK$40,677
baseline
▲ 0.50% · 4.625%
HK$43,152
+HK$2,475/mo
Deposit HK$933K · loan HK$8.39M · min. income ≈ HK$81,354/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$302,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,582
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$43,724
−HK$1,159/mo
Today · 4.125%
HK$44,883
baseline
▲ 0.50% · 4.625%
HK$47,249
+HK$2,366/mo
Deposit HK$933K · loan HK$8.39M · min. income ≈ HK$89,766/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$302,559 · 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).