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$21,561
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$22,232
−HK$682/mo
Today · 4.125%
HK$22,914
baseline
▲ 0.50% · 4.625%
HK$24,308
+HK$1,394/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$45,828/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$315,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,987
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$24,630
−HK$653/mo
Today · 4.125%
HK$25,283
baseline
▲ 0.50% · 4.625%
HK$26,616
+HK$1,333/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$50,566/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$315,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,874
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$26,679
−HK$817/mo
Today · 4.125%
HK$27,496
baseline
▲ 0.50% · 4.625%
HK$29,169
+HK$1,673/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$54,992/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$315,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,784
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$29,556
−HK$783/mo
Today · 4.125%
HK$30,339
baseline
▲ 0.50% · 4.625%
HK$31,939
+HK$1,600/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$60,678/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$315,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,186
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$31,125
−HK$954/mo
Today · 4.125%
HK$32,079
baseline
▲ 0.50% · 4.625%
HK$34,031
+HK$1,952/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$64,158/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$315,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,582
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$34,482
−HK$914/mo
Today · 4.125%
HK$35,396
baseline
▲ 0.50% · 4.625%
HK$37,262
+HK$1,866/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$70,792/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$315,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,811
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$40,018
−HK$1,226/mo
Today · 4.125%
HK$41,244
baseline
▲ 0.50% · 4.625%
HK$43,754
+HK$2,510/mo
Deposit HK$946K · loan HK$8.51M · min. income ≈ HK$82,488/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$315,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,176
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$44,334
−HK$1,175/mo
Today · 4.125%
HK$45,509
baseline
▲ 0.50% · 4.625%
HK$47,908
+HK$2,399/mo
Deposit HK$946K · loan HK$8.51M · min. income ≈ HK$91,018/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$315,573 · 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).