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$21,270
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$21,931
−HK$672/mo
Today · 4.125%
HK$22,603
baseline
▲ 0.50% · 4.625%
HK$23,979
+HK$1,376/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$45,206/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$302,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,662
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$24,297
−HK$644/mo
Today · 4.125%
HK$24,941
baseline
▲ 0.50% · 4.625%
HK$26,255
+HK$1,314/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$49,882/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$302,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,523
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$26,317
−HK$807/mo
Today · 4.125%
HK$27,124
baseline
▲ 0.50% · 4.625%
HK$28,774
+HK$1,650/mo
Deposit HK$3.73M · loan HK$5.60M · min. income ≈ HK$54,248/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$302,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,395
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$29,156
−HK$773/mo
Today · 4.125%
HK$29,929
baseline
▲ 0.50% · 4.625%
HK$31,506
+HK$1,577/mo
Deposit HK$3.73M · loan HK$5.60M · min. income ≈ HK$59,858/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$302,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,777
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$30,704
−HK$941/mo
Today · 4.125%
HK$31,645
baseline
▲ 0.50% · 4.625%
HK$33,570
+HK$1,925/mo
Deposit HK$2.80M · loan HK$6.53M · min. income ≈ HK$63,290/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$302,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,127
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$34,016
−HK$901/mo
Today · 4.125%
HK$34,917
baseline
▲ 0.50% · 4.625%
HK$36,757
+HK$1,840/mo
Deposit HK$2.80M · loan HK$6.53M · min. income ≈ HK$69,834/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$302,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,285
−HK$2,401/mo
▼ 0.25% · 3.875%
HK$39,476
−HK$1,210/mo
Today · 4.125%
HK$40,686
baseline
▲ 0.50% · 4.625%
HK$43,162
+HK$2,476/mo
Deposit HK$933K · loan HK$8.39M · min. income ≈ HK$81,372/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$302,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,592
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$43,734
−HK$1,159/mo
Today · 4.125%
HK$44,893
baseline
▲ 0.50% · 4.625%
HK$47,259
+HK$2,366/mo
Deposit HK$933K · loan HK$8.39M · min. income ≈ HK$89,786/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$302,771 · 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).