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$21,608
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$22,280
−HK$683/mo
Today · 4.125%
HK$22,963
baseline
▲ 0.50% · 4.625%
HK$24,360
+HK$1,397/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$45,926/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$317,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,038
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$24,683
−HK$654/mo
Today · 4.125%
HK$25,337
baseline
▲ 0.50% · 4.625%
HK$26,672
+HK$1,335/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$50,674/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$317,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,929
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$26,736
−HK$819/mo
Today · 4.125%
HK$27,555
baseline
▲ 0.50% · 4.625%
HK$29,232
+HK$1,677/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$55,110/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$317,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,846
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$29,619
−HK$785/mo
Today · 4.125%
HK$30,404
baseline
▲ 0.50% · 4.625%
HK$32,007
+HK$1,603/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$60,808/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$317,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,251
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$31,192
−HK$956/mo
Today · 4.125%
HK$32,148
baseline
▲ 0.50% · 4.625%
HK$34,104
+HK$1,956/mo
Deposit HK$2.84M · loan HK$6.63M · min. income ≈ HK$64,296/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$317,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,653
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$34,556
−HK$916/mo
Today · 4.125%
HK$35,472
baseline
▲ 0.50% · 4.625%
HK$37,341
+HK$1,869/mo
Deposit HK$2.84M · loan HK$6.63M · min. income ≈ HK$70,944/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$317,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,894
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$40,103
−HK$1,230/mo
Today · 4.125%
HK$41,333
baseline
▲ 0.50% · 4.625%
HK$43,848
+HK$2,515/mo
Deposit HK$948K · loan HK$8.53M · min. income ≈ HK$82,666/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$317,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,269
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$44,429
−HK$1,177/mo
Today · 4.125%
HK$45,606
baseline
▲ 0.50% · 4.625%
HK$48,010
+HK$2,404/mo
Deposit HK$948K · loan HK$8.53M · min. income ≈ HK$91,212/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$317,594 · 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).