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$21,245
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$21,906
−HK$671/mo
Today · 4.125%
HK$22,577
baseline
▲ 0.50% · 4.625%
HK$23,951
+HK$1,374/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$45,154/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$301,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,635
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$24,268
−HK$643/mo
Today · 4.125%
HK$24,911
baseline
▲ 0.50% · 4.625%
HK$26,225
+HK$1,314/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$49,822/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$301,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,494
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$26,287
−HK$805/mo
Today · 4.125%
HK$27,092
baseline
▲ 0.50% · 4.625%
HK$28,741
+HK$1,649/mo
Deposit HK$3.73M · loan HK$5.59M · min. income ≈ HK$54,184/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$301,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,361
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$29,122
−HK$772/mo
Today · 4.125%
HK$29,894
baseline
▲ 0.50% · 4.625%
HK$31,469
+HK$1,575/mo
Deposit HK$3.73M · loan HK$5.59M · min. income ≈ HK$59,788/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$301,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,743
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$30,668
−HK$940/mo
Today · 4.125%
HK$31,608
baseline
▲ 0.50% · 4.625%
HK$33,531
+HK$1,923/mo
Deposit HK$2.80M · loan HK$6.52M · min. income ≈ HK$63,216/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$301,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,088
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$33,976
−HK$900/mo
Today · 4.125%
HK$34,876
baseline
▲ 0.50% · 4.625%
HK$36,714
+HK$1,838/mo
Deposit HK$2.80M · loan HK$6.52M · min. income ≈ HK$69,752/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$301,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,241
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$39,430
−HK$1,209/mo
Today · 4.125%
HK$40,639
baseline
▲ 0.50% · 4.625%
HK$43,111
+HK$2,472/mo
Deposit HK$932K · loan HK$8.39M · min. income ≈ HK$81,278/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$301,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,542
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$43,683
−HK$1,158/mo
Today · 4.125%
HK$44,841
baseline
▲ 0.50% · 4.625%
HK$47,204
+HK$2,363/mo
Deposit HK$932K · loan HK$8.39M · min. income ≈ HK$89,682/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$301,682 · 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).