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$21,233
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$21,894
−HK$671/mo
Today · 4.125%
HK$22,565
baseline
▲ 0.50% · 4.625%
HK$23,938
+HK$1,373/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$45,130/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$301,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,622
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$24,255
−HK$643/mo
Today · 4.125%
HK$24,898
baseline
▲ 0.50% · 4.625%
HK$26,210
+HK$1,312/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$49,796/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$301,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,480
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$26,272
−HK$806/mo
Today · 4.125%
HK$27,078
baseline
▲ 0.50% · 4.625%
HK$28,725
+HK$1,647/mo
Deposit HK$3.72M · loan HK$5.59M · min. income ≈ HK$54,156/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$301,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,346
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$29,106
−HK$771/mo
Today · 4.125%
HK$29,877
baseline
▲ 0.50% · 4.625%
HK$31,452
+HK$1,575/mo
Deposit HK$3.72M · loan HK$5.59M · min. income ≈ HK$59,754/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$301,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,726
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$30,651
−HK$940/mo
Today · 4.125%
HK$31,591
baseline
▲ 0.50% · 4.625%
HK$33,513
+HK$1,922/mo
Deposit HK$2.79M · loan HK$6.52M · min. income ≈ HK$63,182/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$301,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,070
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$33,957
−HK$900/mo
Today · 4.125%
HK$34,857
baseline
▲ 0.50% · 4.625%
HK$36,694
+HK$1,837/mo
Deposit HK$2.79M · loan HK$6.52M · min. income ≈ HK$69,714/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$301,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,220
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$39,409
−HK$1,207/mo
Today · 4.125%
HK$40,616
baseline
▲ 0.50% · 4.625%
HK$43,088
+HK$2,472/mo
Deposit HK$931K · loan HK$8.38M · min. income ≈ HK$81,232/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$301,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,519
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$43,659
−HK$1,157/mo
Today · 4.125%
HK$44,816
baseline
▲ 0.50% · 4.625%
HK$47,179
+HK$2,363/mo
Deposit HK$931K · loan HK$8.38M · min. income ≈ HK$89,632/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$301,175 · 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).