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$21,253
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$21,914
−HK$672/mo
Today · 4.125%
HK$22,586
baseline
▲ 0.50% · 4.625%
HK$23,960
+HK$1,374/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$45,172/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$302,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,644
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$24,278
−HK$643/mo
Today · 4.125%
HK$24,921
baseline
▲ 0.50% · 4.625%
HK$26,235
+HK$1,314/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$49,842/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$302,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,504
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$26,297
−HK$806/mo
Today · 4.125%
HK$27,103
baseline
▲ 0.50% · 4.625%
HK$28,752
+HK$1,649/mo
Deposit HK$3.73M · loan HK$5.59M · min. income ≈ HK$54,206/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$302,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,372
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$29,133
−HK$772/mo
Today · 4.125%
HK$29,905
baseline
▲ 0.50% · 4.625%
HK$31,482
+HK$1,577/mo
Deposit HK$3.73M · loan HK$5.59M · min. income ≈ HK$59,810/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$302,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,754
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$30,680
−HK$940/mo
Today · 4.125%
HK$31,620
baseline
▲ 0.50% · 4.625%
HK$33,544
+HK$1,924/mo
Deposit HK$2.80M · loan HK$6.52M · min. income ≈ HK$63,240/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$302,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,101
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$33,989
−HK$900/mo
Today · 4.125%
HK$34,889
baseline
▲ 0.50% · 4.625%
HK$36,729
+HK$1,840/mo
Deposit HK$2.80M · loan HK$6.52M · min. income ≈ HK$69,778/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$302,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,255
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$39,445
−HK$1,209/mo
Today · 4.125%
HK$40,654
baseline
▲ 0.50% · 4.625%
HK$43,128
+HK$2,474/mo
Deposit HK$932K · loan HK$8.39M · min. income ≈ HK$81,308/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$302,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,559
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$43,700
−HK$1,158/mo
Today · 4.125%
HK$44,858
baseline
▲ 0.50% · 4.625%
HK$47,222
+HK$2,364/mo
Deposit HK$932K · loan HK$8.39M · min. income ≈ HK$89,716/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$302,041 · 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).