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$1,334/mo
▼ 0.25% · 3.875%
HK$21,932
−HK$672/mo
Today · 4.125%
HK$22,604
baseline
▲ 0.50% · 4.625%
HK$23,979
+HK$1,375/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$45,208/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$302,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,663
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$24,297
−HK$644/mo
Today · 4.125%
HK$24,941
baseline
▲ 0.50% · 4.625%
HK$26,256
+HK$1,315/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$302,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,524
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$26,318
−HK$807/mo
Today · 4.125%
HK$27,125
baseline
▲ 0.50% · 4.625%
HK$28,775
+HK$1,650/mo
Deposit HK$3.73M · loan HK$5.60M · min. income ≈ HK$54,250/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$302,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,395
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$29,157
−HK$772/mo
Today · 4.125%
HK$29,929
baseline
▲ 0.50% · 4.625%
HK$31,507
+HK$1,578/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$302,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,778
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$30,704
−HK$942/mo
Today · 4.125%
HK$31,646
baseline
▲ 0.50% · 4.625%
HK$33,571
+HK$1,925/mo
Deposit HK$2.80M · loan HK$6.53M · min. income ≈ HK$63,292/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$302,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,128
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$34,016
−HK$902/mo
Today · 4.125%
HK$34,918
baseline
▲ 0.50% · 4.625%
HK$36,758
+HK$1,840/mo
Deposit HK$2.80M · loan HK$6.53M · min. income ≈ HK$69,836/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$302,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,286
−HK$2,401/mo
▼ 0.25% · 3.875%
HK$39,477
−HK$1,210/mo
Today · 4.125%
HK$40,687
baseline
▲ 0.50% · 4.625%
HK$43,163
+HK$2,476/mo
Deposit HK$933K · loan HK$8.40M · min. income ≈ HK$81,374/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$302,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,593
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$43,735
−HK$1,159/mo
Today · 4.125%
HK$44,894
baseline
▲ 0.50% · 4.625%
HK$47,261
+HK$2,367/mo
Deposit HK$933K · loan HK$8.40M · min. income ≈ HK$89,788/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$302,796 · 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).