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$21,267
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$21,928
−HK$672/mo
Today · 4.125%
HK$22,600
baseline
▲ 0.50% · 4.625%
HK$23,975
+HK$1,375/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$45,200/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$302,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,659
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$24,293
−HK$644/mo
Today · 4.125%
HK$24,937
baseline
▲ 0.50% · 4.625%
HK$26,252
+HK$1,315/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$49,874/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$302,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,520
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$26,314
−HK$806/mo
Today · 4.125%
HK$27,120
baseline
▲ 0.50% · 4.625%
HK$28,771
+HK$1,651/mo
Deposit HK$3.73M · loan HK$5.60M · min. income ≈ HK$54,240/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$302,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,391
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$29,152
−HK$773/mo
Today · 4.125%
HK$29,925
baseline
▲ 0.50% · 4.625%
HK$31,502
+HK$1,577/mo
Deposit HK$3.73M · loan HK$5.60M · min. income ≈ HK$59,850/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$302,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,773
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$30,699
−HK$941/mo
Today · 4.125%
HK$31,640
baseline
▲ 0.50% · 4.625%
HK$33,566
+HK$1,926/mo
Deposit HK$2.80M · loan HK$6.53M · min. income ≈ HK$63,280/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$302,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,123
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$34,011
−HK$901/mo
Today · 4.125%
HK$34,912
baseline
▲ 0.50% · 4.625%
HK$36,752
+HK$1,840/mo
Deposit HK$2.80M · loan HK$6.53M · min. income ≈ HK$69,824/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$302,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,280
−HK$2,401/mo
▼ 0.25% · 3.875%
HK$39,471
−HK$1,210/mo
Today · 4.125%
HK$40,681
baseline
▲ 0.50% · 4.625%
HK$43,156
+HK$2,475/mo
Deposit HK$933K · loan HK$8.39M · min. income ≈ HK$81,362/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$302,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,586
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$43,728
−HK$1,159/mo
Today · 4.125%
HK$44,887
baseline
▲ 0.50% · 4.625%
HK$47,253
+HK$2,366/mo
Deposit HK$933K · loan HK$8.39M · min. income ≈ HK$89,774/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$302,645 · 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).