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$21,238
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$21,899
−HK$671/mo
Today · 4.125%
HK$22,570
baseline
▲ 0.50% · 4.625%
HK$23,944
+HK$1,374/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$45,140/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$301,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,627
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$24,261
−HK$643/mo
Today · 4.125%
HK$24,904
baseline
▲ 0.50% · 4.625%
HK$26,217
+HK$1,313/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$49,808/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$301,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,486
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$26,279
−HK$805/mo
Today · 4.125%
HK$27,084
baseline
▲ 0.50% · 4.625%
HK$28,732
+HK$1,648/mo
Deposit HK$3.73M · loan HK$5.59M · min. income ≈ HK$54,168/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$301,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,353
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$29,113
−HK$772/mo
Today · 4.125%
HK$29,885
baseline
▲ 0.50% · 4.625%
HK$31,460
+HK$1,575/mo
Deposit HK$3.73M · loan HK$5.59M · min. income ≈ HK$59,770/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$301,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,734
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$30,659
−HK$939/mo
Today · 4.125%
HK$31,598
baseline
▲ 0.50% · 4.625%
HK$33,521
+HK$1,923/mo
Deposit HK$2.79M · loan HK$6.52M · min. income ≈ HK$63,196/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$301,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,078
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$33,966
−HK$900/mo
Today · 4.125%
HK$34,866
baseline
▲ 0.50% · 4.625%
HK$36,703
+HK$1,837/mo
Deposit HK$2.79M · loan HK$6.52M · min. income ≈ HK$69,732/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$301,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,229
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$39,418
−HK$1,208/mo
Today · 4.125%
HK$40,626
baseline
▲ 0.50% · 4.625%
HK$43,098
+HK$2,472/mo
Deposit HK$931K · loan HK$8.38M · min. income ≈ HK$81,252/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$301,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,529
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$43,670
−HK$1,157/mo
Today · 4.125%
HK$44,827
baseline
▲ 0.50% · 4.625%
HK$47,190
+HK$2,363/mo
Deposit HK$931K · loan HK$8.38M · min. income ≈ HK$89,654/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$301,403 · 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).