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$21,255
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$21,917
−HK$671/mo
Today · 4.125%
HK$22,588
baseline
▲ 0.50% · 4.625%
HK$23,963
+HK$1,375/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$45,176/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$302,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,646
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$24,281
−HK$643/mo
Today · 4.125%
HK$24,924
baseline
▲ 0.50% · 4.625%
HK$26,238
+HK$1,314/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$49,848/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$302,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,506
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$26,300
−HK$806/mo
Today · 4.125%
HK$27,106
baseline
▲ 0.50% · 4.625%
HK$28,755
+HK$1,649/mo
Deposit HK$3.73M · loan HK$5.59M · min. income ≈ HK$54,212/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$302,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,376
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$29,137
−HK$772/mo
Today · 4.125%
HK$29,909
baseline
▲ 0.50% · 4.625%
HK$31,485
+HK$1,576/mo
Deposit HK$3.73M · loan HK$5.59M · min. income ≈ HK$59,818/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$302,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,758
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$30,683
−HK$941/mo
Today · 4.125%
HK$31,624
baseline
▲ 0.50% · 4.625%
HK$33,548
+HK$1,924/mo
Deposit HK$2.80M · loan HK$6.53M · min. income ≈ HK$63,248/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$302,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,105
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$33,993
−HK$901/mo
Today · 4.125%
HK$34,894
baseline
▲ 0.50% · 4.625%
HK$36,733
+HK$1,839/mo
Deposit HK$2.80M · loan HK$6.53M · min. income ≈ HK$69,788/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$302,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,260
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$39,450
−HK$1,209/mo
Today · 4.125%
HK$40,659
baseline
▲ 0.50% · 4.625%
HK$43,133
+HK$2,474/mo
Deposit HK$932K · loan HK$8.39M · min. income ≈ HK$81,318/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$302,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,564
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$43,705
−HK$1,158/mo
Today · 4.125%
HK$44,863
baseline
▲ 0.50% · 4.625%
HK$47,228
+HK$2,365/mo
Deposit HK$932K · loan HK$8.39M · min. income ≈ HK$89,726/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$302,150 · 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).