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$21,603
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$22,275
−HK$683/mo
Today · 4.125%
HK$22,958
baseline
▲ 0.50% · 4.625%
HK$24,355
+HK$1,397/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$45,916/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$317,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,033
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$24,678
−HK$654/mo
Today · 4.125%
HK$25,332
baseline
▲ 0.50% · 4.625%
HK$26,667
+HK$1,335/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$50,664/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$317,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,924
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$26,730
−HK$820/mo
Today · 4.125%
HK$27,550
baseline
▲ 0.50% · 4.625%
HK$29,226
+HK$1,676/mo
Deposit HK$3.79M · loan HK$5.68M · min. income ≈ HK$55,100/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$317,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,840
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$29,614
−HK$784/mo
Today · 4.125%
HK$30,398
baseline
▲ 0.50% · 4.625%
HK$32,001
+HK$1,603/mo
Deposit HK$3.79M · loan HK$5.68M · min. income ≈ HK$60,796/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$317,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,245
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$31,185
−HK$956/mo
Today · 4.125%
HK$32,141
baseline
▲ 0.50% · 4.625%
HK$34,097
+HK$1,956/mo
Deposit HK$2.84M · loan HK$6.63M · min. income ≈ HK$64,282/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$317,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,647
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$34,549
−HK$916/mo
Today · 4.125%
HK$35,465
baseline
▲ 0.50% · 4.625%
HK$37,334
+HK$1,869/mo
Deposit HK$2.84M · loan HK$6.63M · min. income ≈ HK$70,930/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$317,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,886
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$40,095
−HK$1,229/mo
Today · 4.125%
HK$41,324
baseline
▲ 0.50% · 4.625%
HK$43,839
+HK$2,515/mo
Deposit HK$947K · loan HK$8.53M · min. income ≈ HK$82,648/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$317,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,260
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$44,420
−HK$1,177/mo
Today · 4.125%
HK$45,597
baseline
▲ 0.50% · 4.625%
HK$48,001
+HK$2,404/mo
Deposit HK$947K · loan HK$8.53M · min. income ≈ HK$91,194/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$317,404 · 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).