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$21,233
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$21,893
−HK$671/mo
Today · 4.125%
HK$22,564
baseline
▲ 0.50% · 4.625%
HK$23,937
+HK$1,373/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$45,128/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$301,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,621
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$24,254
−HK$643/mo
Today · 4.125%
HK$24,897
baseline
▲ 0.50% · 4.625%
HK$26,209
+HK$1,312/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$49,794/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$301,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,479
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$26,272
−HK$805/mo
Today · 4.125%
HK$27,077
baseline
▲ 0.50% · 4.625%
HK$28,724
+HK$1,647/mo
Deposit HK$3.72M · loan HK$5.59M · min. income ≈ HK$54,154/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$301,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,345
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$29,105
−HK$772/mo
Today · 4.125%
HK$29,877
baseline
▲ 0.50% · 4.625%
HK$31,451
+HK$1,574/mo
Deposit HK$3.72M · loan HK$5.59M · min. income ≈ HK$59,754/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$301,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,726
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$30,650
−HK$940/mo
Today · 4.125%
HK$31,590
baseline
▲ 0.50% · 4.625%
HK$33,512
+HK$1,922/mo
Deposit HK$2.79M · loan HK$6.52M · min. income ≈ HK$63,180/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$301,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,069
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$33,956
−HK$900/mo
Today · 4.125%
HK$34,856
baseline
▲ 0.50% · 4.625%
HK$36,693
+HK$1,837/mo
Deposit HK$2.79M · loan HK$6.52M · min. income ≈ HK$69,712/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$301,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,219
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$39,407
−HK$1,208/mo
Today · 4.125%
HK$40,615
baseline
▲ 0.50% · 4.625%
HK$43,086
+HK$2,471/mo
Deposit HK$931K · loan HK$8.38M · min. income ≈ HK$81,230/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$301,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,518
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$43,658
−HK$1,157/mo
Today · 4.125%
HK$44,815
baseline
▲ 0.50% · 4.625%
HK$47,177
+HK$2,362/mo
Deposit HK$931K · loan HK$8.38M · min. income ≈ HK$89,630/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$301,146 · 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).