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$21,246
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$21,907
−HK$671/mo
Today · 4.125%
HK$22,578
baseline
▲ 0.50% · 4.625%
HK$23,952
+HK$1,374/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$45,156/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$301,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,636
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$24,270
−HK$643/mo
Today · 4.125%
HK$24,913
baseline
▲ 0.50% · 4.625%
HK$26,226
+HK$1,313/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$49,826/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$301,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,495
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$26,288
−HK$806/mo
Today · 4.125%
HK$27,094
baseline
▲ 0.50% · 4.625%
HK$28,743
+HK$1,649/mo
Deposit HK$3.73M · loan HK$5.59M · min. income ≈ HK$54,188/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$301,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,363
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$29,124
−HK$771/mo
Today · 4.125%
HK$29,895
baseline
▲ 0.50% · 4.625%
HK$31,471
+HK$1,576/mo
Deposit HK$3.73M · loan HK$5.59M · min. income ≈ HK$59,790/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$301,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,744
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$30,670
−HK$940/mo
Today · 4.125%
HK$31,610
baseline
▲ 0.50% · 4.625%
HK$33,533
+HK$1,923/mo
Deposit HK$2.80M · loan HK$6.52M · min. income ≈ HK$63,220/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$301,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,090
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$33,978
−HK$900/mo
Today · 4.125%
HK$34,878
baseline
▲ 0.50% · 4.625%
HK$36,716
+HK$1,838/mo
Deposit HK$2.80M · loan HK$6.52M · min. income ≈ HK$69,756/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$301,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,243
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$39,432
−HK$1,209/mo
Today · 4.125%
HK$40,641
baseline
▲ 0.50% · 4.625%
HK$43,114
+HK$2,473/mo
Deposit HK$932K · loan HK$8.39M · min. income ≈ HK$81,282/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$301,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,545
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$43,686
−HK$1,157/mo
Today · 4.125%
HK$44,843
baseline
▲ 0.50% · 4.625%
HK$47,207
+HK$2,364/mo
Deposit HK$932K · loan HK$8.39M · min. income ≈ HK$89,686/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$301,735 · 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).