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$21,243
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$21,904
−HK$671/mo
Today · 4.125%
HK$22,575
baseline
▲ 0.50% · 4.625%
HK$23,949
+HK$1,374/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$45,150/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$301,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,633
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$24,266
−HK$643/mo
Today · 4.125%
HK$24,909
baseline
▲ 0.50% · 4.625%
HK$26,222
+HK$1,313/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$49,818/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$301,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,492
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$26,285
−HK$805/mo
Today · 4.125%
HK$27,090
baseline
▲ 0.50% · 4.625%
HK$28,739
+HK$1,649/mo
Deposit HK$3.73M · loan HK$5.59M · min. income ≈ HK$54,180/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$301,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,359
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$29,120
−HK$771/mo
Today · 4.125%
HK$29,891
baseline
▲ 0.50% · 4.625%
HK$31,467
+HK$1,576/mo
Deposit HK$3.73M · loan HK$5.59M · min. income ≈ HK$59,782/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$301,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,740
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$30,665
−HK$940/mo
Today · 4.125%
HK$31,605
baseline
▲ 0.50% · 4.625%
HK$33,528
+HK$1,923/mo
Deposit HK$2.79M · loan HK$6.52M · min. income ≈ HK$63,210/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$301,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,086
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$33,973
−HK$900/mo
Today · 4.125%
HK$34,873
baseline
▲ 0.50% · 4.625%
HK$36,711
+HK$1,838/mo
Deposit HK$2.79M · loan HK$6.52M · min. income ≈ HK$69,746/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$301,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,237
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$39,427
−HK$1,208/mo
Today · 4.125%
HK$40,635
baseline
▲ 0.50% · 4.625%
HK$43,108
+HK$2,473/mo
Deposit HK$932K · loan HK$8.38M · min. income ≈ HK$81,270/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$301,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,539
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$43,680
−HK$1,157/mo
Today · 4.125%
HK$44,837
baseline
▲ 0.50% · 4.625%
HK$47,200
+HK$2,363/mo
Deposit HK$932K · loan HK$8.38M · min. income ≈ HK$89,674/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$301,607 · 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).