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$21,556
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$22,226
−HK$681/mo
Today · 4.125%
HK$22,907
baseline
▲ 0.50% · 4.625%
HK$24,301
+HK$1,394/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$45,814/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$315,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,980
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$24,624
−HK$652/mo
Today · 4.125%
HK$25,276
baseline
▲ 0.50% · 4.625%
HK$26,608
+HK$1,332/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$50,552/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$315,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,867
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$26,671
−HK$818/mo
Today · 4.125%
HK$27,489
baseline
▲ 0.50% · 4.625%
HK$29,161
+HK$1,672/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$54,978/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$315,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,777
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$29,548
−HK$783/mo
Today · 4.125%
HK$30,331
baseline
▲ 0.50% · 4.625%
HK$31,930
+HK$1,599/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$60,662/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$315,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,178
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$31,117
−HK$953/mo
Today · 4.125%
HK$32,070
baseline
▲ 0.50% · 4.625%
HK$34,022
+HK$1,952/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$64,140/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$315,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,573
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$34,473
−HK$913/mo
Today · 4.125%
HK$35,386
baseline
▲ 0.50% · 4.625%
HK$37,252
+HK$1,866/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$70,772/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$315,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,800
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$40,007
−HK$1,226/mo
Today · 4.125%
HK$41,233
baseline
▲ 0.50% · 4.625%
HK$43,742
+HK$2,509/mo
Deposit HK$945K · loan HK$8.51M · min. income ≈ HK$82,466/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$315,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,165
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$44,322
−HK$1,175/mo
Today · 4.125%
HK$45,497
baseline
▲ 0.50% · 4.625%
HK$47,895
+HK$2,398/mo
Deposit HK$945K · loan HK$8.51M · min. income ≈ HK$90,994/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$315,316 · 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).