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$21,231
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$21,892
−HK$671/mo
Today · 4.125%
HK$22,563
baseline
▲ 0.50% · 4.625%
HK$23,936
+HK$1,373/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$45,126/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$301,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,620
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$24,253
−HK$643/mo
Today · 4.125%
HK$24,896
baseline
▲ 0.50% · 4.625%
HK$26,208
+HK$1,312/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$49,792/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$301,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,478
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$26,270
−HK$805/mo
Today · 4.125%
HK$27,075
baseline
▲ 0.50% · 4.625%
HK$28,723
+HK$1,648/mo
Deposit HK$3.72M · loan HK$5.59M · min. income ≈ HK$54,150/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$301,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,344
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$29,104
−HK$771/mo
Today · 4.125%
HK$29,875
baseline
▲ 0.50% · 4.625%
HK$31,450
+HK$1,575/mo
Deposit HK$3.72M · loan HK$5.59M · min. income ≈ HK$59,750/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$301,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,724
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$30,649
−HK$939/mo
Today · 4.125%
HK$31,588
baseline
▲ 0.50% · 4.625%
HK$33,510
+HK$1,922/mo
Deposit HK$2.79M · loan HK$6.52M · min. income ≈ HK$63,176/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$301,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,068
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$33,954
−HK$900/mo
Today · 4.125%
HK$34,854
baseline
▲ 0.50% · 4.625%
HK$36,691
+HK$1,837/mo
Deposit HK$2.79M · loan HK$6.52M · min. income ≈ HK$69,708/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$301,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,216
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$39,405
−HK$1,208/mo
Today · 4.125%
HK$40,613
baseline
▲ 0.50% · 4.625%
HK$43,084
+HK$2,471/mo
Deposit HK$931K · loan HK$8.38M · min. income ≈ HK$81,226/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$301,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,515
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$43,656
−HK$1,156/mo
Today · 4.125%
HK$44,812
baseline
▲ 0.50% · 4.625%
HK$47,175
+HK$2,363/mo
Deposit HK$931K · loan HK$8.38M · min. income ≈ HK$89,624/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$301,096 · 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).