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$21,263
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$21,924
−HK$672/mo
Today · 4.125%
HK$22,596
baseline
▲ 0.50% · 4.625%
HK$23,971
+HK$1,375/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$45,192/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$302,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,655
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$24,289
−HK$644/mo
Today · 4.125%
HK$24,933
baseline
▲ 0.50% · 4.625%
HK$26,247
+HK$1,314/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$49,866/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$302,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,516
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$26,309
−HK$807/mo
Today · 4.125%
HK$27,116
baseline
▲ 0.50% · 4.625%
HK$28,766
+HK$1,650/mo
Deposit HK$3.73M · loan HK$5.59M · min. income ≈ HK$54,232/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$302,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,386
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$29,147
−HK$772/mo
Today · 4.125%
HK$29,919
baseline
▲ 0.50% · 4.625%
HK$31,497
+HK$1,578/mo
Deposit HK$3.73M · loan HK$5.59M · min. income ≈ HK$59,838/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$302,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,768
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$30,694
−HK$941/mo
Today · 4.125%
HK$31,635
baseline
▲ 0.50% · 4.625%
HK$33,560
+HK$1,925/mo
Deposit HK$2.80M · loan HK$6.53M · min. income ≈ HK$63,270/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$302,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,117
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$34,005
−HK$901/mo
Today · 4.125%
HK$34,906
baseline
▲ 0.50% · 4.625%
HK$36,746
+HK$1,840/mo
Deposit HK$2.80M · loan HK$6.53M · min. income ≈ HK$69,812/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$302,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,273
−HK$2,401/mo
▼ 0.25% · 3.875%
HK$39,464
−HK$1,210/mo
Today · 4.125%
HK$40,674
baseline
▲ 0.50% · 4.625%
HK$43,148
+HK$2,474/mo
Deposit HK$932K · loan HK$8.39M · min. income ≈ HK$81,348/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$302,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,579
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$43,721
−HK$1,158/mo
Today · 4.125%
HK$44,879
baseline
▲ 0.50% · 4.625%
HK$47,245
+HK$2,366/mo
Deposit HK$932K · loan HK$8.39M · min. income ≈ HK$89,758/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$302,485 · 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).