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$21,606
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$22,278
−HK$682/mo
Today · 4.125%
HK$22,960
baseline
▲ 0.50% · 4.625%
HK$24,358
+HK$1,398/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$45,920/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$317,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,036
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$24,681
−HK$654/mo
Today · 4.125%
HK$25,335
baseline
▲ 0.50% · 4.625%
HK$26,670
+HK$1,335/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$50,670/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$317,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,927
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$26,733
−HK$820/mo
Today · 4.125%
HK$27,553
baseline
▲ 0.50% · 4.625%
HK$29,229
+HK$1,676/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$55,106/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$317,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,843
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$29,617
−HK$785/mo
Today · 4.125%
HK$30,402
baseline
▲ 0.50% · 4.625%
HK$32,004
+HK$1,602/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$60,804/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$317,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,248
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$31,189
−HK$956/mo
Today · 4.125%
HK$32,145
baseline
▲ 0.50% · 4.625%
HK$34,101
+HK$1,956/mo
Deposit HK$2.84M · loan HK$6.63M · min. income ≈ HK$64,290/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$317,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,650
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$34,553
−HK$915/mo
Today · 4.125%
HK$35,468
baseline
▲ 0.50% · 4.625%
HK$37,338
+HK$1,870/mo
Deposit HK$2.84M · loan HK$6.63M · min. income ≈ HK$70,936/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$317,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,890
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$40,100
−HK$1,229/mo
Today · 4.125%
HK$41,329
baseline
▲ 0.50% · 4.625%
HK$43,844
+HK$2,515/mo
Deposit HK$948K · loan HK$8.53M · min. income ≈ HK$82,658/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$317,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,265
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$44,425
−HK$1,177/mo
Today · 4.125%
HK$45,602
baseline
▲ 0.50% · 4.625%
HK$48,006
+HK$2,404/mo
Deposit HK$948K · loan HK$8.53M · min. income ≈ HK$91,204/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$317,508 · 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).