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$21,235
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$21,896
−HK$671/mo
Today · 4.125%
HK$22,567
baseline
▲ 0.50% · 4.625%
HK$23,940
+HK$1,373/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$45,134/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$301,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,624
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$24,257
−HK$643/mo
Today · 4.125%
HK$24,900
baseline
▲ 0.50% · 4.625%
HK$26,213
+HK$1,313/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$49,800/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$301,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,482
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$26,275
−HK$805/mo
Today · 4.125%
HK$27,080
baseline
▲ 0.50% · 4.625%
HK$28,728
+HK$1,648/mo
Deposit HK$3.73M · loan HK$5.59M · min. income ≈ HK$54,160/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$301,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,349
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$29,109
−HK$771/mo
Today · 4.125%
HK$29,880
baseline
▲ 0.50% · 4.625%
HK$31,455
+HK$1,575/mo
Deposit HK$3.73M · loan HK$5.59M · min. income ≈ HK$59,760/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$301,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,729
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$30,654
−HK$939/mo
Today · 4.125%
HK$31,593
baseline
▲ 0.50% · 4.625%
HK$33,516
+HK$1,923/mo
Deposit HK$2.79M · loan HK$6.52M · min. income ≈ HK$63,186/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$301,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,073
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$33,960
−HK$900/mo
Today · 4.125%
HK$34,860
baseline
▲ 0.50% · 4.625%
HK$36,698
+HK$1,838/mo
Deposit HK$2.79M · loan HK$6.52M · min. income ≈ HK$69,720/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$301,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,223
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$39,412
−HK$1,208/mo
Today · 4.125%
HK$40,620
baseline
▲ 0.50% · 4.625%
HK$43,092
+HK$2,472/mo
Deposit HK$931K · loan HK$8.38M · min. income ≈ HK$81,240/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$301,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,523
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$43,663
−HK$1,157/mo
Today · 4.125%
HK$44,820
baseline
▲ 0.50% · 4.625%
HK$47,183
+HK$2,363/mo
Deposit HK$931K · loan HK$8.38M · min. income ≈ HK$89,640/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$301,260 · 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).