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$21,231
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$21,891
−HK$671/mo
Today · 4.125%
HK$22,562
baseline
▲ 0.50% · 4.625%
HK$23,935
+HK$1,373/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$45,124/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$301,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,619
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$24,252
−HK$643/mo
Today · 4.125%
HK$24,895
baseline
▲ 0.50% · 4.625%
HK$26,207
+HK$1,312/mo
Deposit HK$4.66M · loan HK$4.66M · min. income ≈ HK$49,790/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$301,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,477
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$26,269
−HK$806/mo
Today · 4.125%
HK$27,075
baseline
▲ 0.50% · 4.625%
HK$28,722
+HK$1,647/mo
Deposit HK$3.72M · loan HK$5.59M · min. income ≈ HK$54,150/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$301,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,343
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$29,103
−HK$771/mo
Today · 4.125%
HK$29,874
baseline
▲ 0.50% · 4.625%
HK$31,449
+HK$1,575/mo
Deposit HK$3.72M · loan HK$5.59M · min. income ≈ HK$59,748/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$301,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,723
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$30,648
−HK$939/mo
Today · 4.125%
HK$31,587
baseline
▲ 0.50% · 4.625%
HK$33,509
+HK$1,922/mo
Deposit HK$2.79M · loan HK$6.52M · min. income ≈ HK$63,174/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$301,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,067
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$33,953
−HK$900/mo
Today · 4.125%
HK$34,853
baseline
▲ 0.50% · 4.625%
HK$36,690
+HK$1,837/mo
Deposit HK$2.79M · loan HK$6.52M · min. income ≈ HK$69,706/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$301,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,215
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$39,404
−HK$1,208/mo
Today · 4.125%
HK$40,612
baseline
▲ 0.50% · 4.625%
HK$43,083
+HK$2,471/mo
Deposit HK$931K · loan HK$8.38M · min. income ≈ HK$81,224/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$301,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,514
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$43,654
−HK$1,157/mo
Today · 4.125%
HK$44,811
baseline
▲ 0.50% · 4.625%
HK$47,173
+HK$2,362/mo
Deposit HK$931K · loan HK$8.38M · min. income ≈ HK$89,622/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$301,069 · 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).