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$21,258
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$21,920
−HK$671/mo
Today · 4.125%
HK$22,591
baseline
▲ 0.50% · 4.625%
HK$23,966
+HK$1,375/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$45,182/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$302,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,650
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$24,284
−HK$643/mo
Today · 4.125%
HK$24,927
baseline
▲ 0.50% · 4.625%
HK$26,241
+HK$1,314/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$49,854/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$302,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,510
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$26,304
−HK$806/mo
Today · 4.125%
HK$27,110
baseline
▲ 0.50% · 4.625%
HK$28,759
+HK$1,649/mo
Deposit HK$3.73M · loan HK$5.59M · min. income ≈ HK$54,220/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$302,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,380
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$29,141
−HK$772/mo
Today · 4.125%
HK$29,913
baseline
▲ 0.50% · 4.625%
HK$31,490
+HK$1,577/mo
Deposit HK$3.73M · loan HK$5.59M · min. income ≈ HK$59,826/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$302,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,762
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$30,688
−HK$940/mo
Today · 4.125%
HK$31,628
baseline
▲ 0.50% · 4.625%
HK$33,553
+HK$1,925/mo
Deposit HK$2.80M · loan HK$6.53M · min. income ≈ HK$63,256/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$302,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,110
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$33,998
−HK$900/mo
Today · 4.125%
HK$34,898
baseline
▲ 0.50% · 4.625%
HK$36,738
+HK$1,840/mo
Deposit HK$2.80M · loan HK$6.53M · min. income ≈ HK$69,796/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$302,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,265
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$39,455
−HK$1,210/mo
Today · 4.125%
HK$40,665
baseline
▲ 0.50% · 4.625%
HK$43,139
+HK$2,474/mo
Deposit HK$932K · loan HK$8.39M · min. income ≈ HK$81,330/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$302,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,570
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$43,711
−HK$1,158/mo
Today · 4.125%
HK$44,869
baseline
▲ 0.50% · 4.625%
HK$47,235
+HK$2,366/mo
Deposit HK$932K · loan HK$8.39M · min. income ≈ HK$89,738/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$302,281 · 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).