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$21,272
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$21,934
−HK$672/mo
Today · 4.125%
HK$22,606
baseline
▲ 0.50% · 4.625%
HK$23,981
+HK$1,375/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$45,212/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$302,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,665
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$24,299
−HK$644/mo
Today · 4.125%
HK$24,943
baseline
▲ 0.50% · 4.625%
HK$26,258
+HK$1,315/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$49,886/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$302,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,526
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$26,320
−HK$807/mo
Today · 4.125%
HK$27,127
baseline
▲ 0.50% · 4.625%
HK$28,778
+HK$1,651/mo
Deposit HK$3.73M · loan HK$5.60M · min. income ≈ HK$54,254/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$302,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,398
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$29,159
−HK$773/mo
Today · 4.125%
HK$29,932
baseline
▲ 0.50% · 4.625%
HK$31,510
+HK$1,578/mo
Deposit HK$3.73M · loan HK$5.60M · min. income ≈ HK$59,864/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$302,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,781
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$30,707
−HK$941/mo
Today · 4.125%
HK$31,648
baseline
▲ 0.50% · 4.625%
HK$33,574
+HK$1,926/mo
Deposit HK$2.80M · loan HK$6.53M · min. income ≈ HK$63,296/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$302,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,131
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$34,019
−HK$902/mo
Today · 4.125%
HK$34,921
baseline
▲ 0.50% · 4.625%
HK$36,761
+HK$1,840/mo
Deposit HK$2.80M · loan HK$6.53M · min. income ≈ HK$69,842/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$302,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,289
−HK$2,401/mo
▼ 0.25% · 3.875%
HK$39,480
−HK$1,210/mo
Today · 4.125%
HK$40,690
baseline
▲ 0.50% · 4.625%
HK$43,166
+HK$2,476/mo
Deposit HK$933K · loan HK$8.40M · min. income ≈ HK$81,380/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$302,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,597
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$43,739
−HK$1,159/mo
Today · 4.125%
HK$44,898
baseline
▲ 0.50% · 4.625%
HK$47,265
+HK$2,367/mo
Deposit HK$933K · loan HK$8.40M · min. income ≈ HK$89,796/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$302,872 · 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).