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$21,548
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$22,219
−HK$681/mo
Today · 4.125%
HK$22,900
baseline
▲ 0.50% · 4.625%
HK$24,293
+HK$1,393/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$45,800/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$315,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,972
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$24,615
−HK$653/mo
Today · 4.125%
HK$25,268
baseline
▲ 0.50% · 4.625%
HK$26,599
+HK$1,331/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$50,536/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$315,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,858
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$26,662
−HK$818/mo
Today · 4.125%
HK$27,480
baseline
▲ 0.50% · 4.625%
HK$29,152
+HK$1,672/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$54,960/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$315,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,767
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$29,538
−HK$783/mo
Today · 4.125%
HK$30,321
baseline
▲ 0.50% · 4.625%
HK$31,919
+HK$1,598/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$60,642/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$315,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,168
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$31,106
−HK$954/mo
Today · 4.125%
HK$32,060
baseline
▲ 0.50% · 4.625%
HK$34,010
+HK$1,950/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$64,120/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$315,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,561
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$34,461
−HK$914/mo
Today · 4.125%
HK$35,375
baseline
▲ 0.50% · 4.625%
HK$37,239
+HK$1,864/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$70,750/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$315,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,787
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$39,994
−HK$1,225/mo
Today · 4.125%
HK$41,219
baseline
▲ 0.50% · 4.625%
HK$43,728
+HK$2,509/mo
Deposit HK$945K · loan HK$8.51M · min. income ≈ HK$82,438/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$315,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,150
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$44,308
−HK$1,174/mo
Today · 4.125%
HK$45,482
baseline
▲ 0.50% · 4.625%
HK$47,879
+HK$2,397/mo
Deposit HK$945K · loan HK$8.51M · min. income ≈ HK$90,964/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$315,001 · 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).