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$21,604
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$22,276
−HK$683/mo
Today · 4.125%
HK$22,959
baseline
▲ 0.50% · 4.625%
HK$24,356
+HK$1,397/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$45,918/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$317,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,034
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$24,679
−HK$654/mo
Today · 4.125%
HK$25,333
baseline
▲ 0.50% · 4.625%
HK$26,668
+HK$1,335/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$50,666/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$317,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,925
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$26,731
−HK$819/mo
Today · 4.125%
HK$27,550
baseline
▲ 0.50% · 4.625%
HK$29,227
+HK$1,677/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$317,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,841
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$29,615
−HK$784/mo
Today · 4.125%
HK$30,399
baseline
▲ 0.50% · 4.625%
HK$32,002
+HK$1,603/mo
Deposit HK$3.79M · loan HK$5.68M · min. income ≈ HK$60,798/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$317,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,246
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$31,186
−HK$956/mo
Today · 4.125%
HK$32,142
baseline
▲ 0.50% · 4.625%
HK$34,098
+HK$1,956/mo
Deposit HK$2.84M · loan HK$6.63M · min. income ≈ HK$64,284/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$317,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,648
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$34,550
−HK$916/mo
Today · 4.125%
HK$35,466
baseline
▲ 0.50% · 4.625%
HK$37,335
+HK$1,869/mo
Deposit HK$2.84M · loan HK$6.63M · min. income ≈ HK$70,932/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$317,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,887
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$40,097
−HK$1,229/mo
Today · 4.125%
HK$41,326
baseline
▲ 0.50% · 4.625%
HK$43,840
+HK$2,514/mo
Deposit HK$947K · loan HK$8.53M · min. income ≈ HK$82,652/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$317,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,262
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$44,422
−HK$1,177/mo
Today · 4.125%
HK$45,599
baseline
▲ 0.50% · 4.625%
HK$48,002
+HK$2,403/mo
Deposit HK$947K · loan HK$8.53M · min. income ≈ HK$91,198/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$317,436 · 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).