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$21,622
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,295
−HK$683/mo
Today · 4.125%
HK$22,978
baseline
▲ 0.50% · 4.625%
HK$24,376
+HK$1,398/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$45,956/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,055
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$24,700
−HK$654/mo
Today · 4.125%
HK$25,354
baseline
▲ 0.50% · 4.625%
HK$26,691
+HK$1,337/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$50,708/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,947
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$26,754
−HK$820/mo
Today · 4.125%
HK$27,574
baseline
▲ 0.50% · 4.625%
HK$29,252
+HK$1,678/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$55,148/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,866
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$29,640
−HK$785/mo
Today · 4.125%
HK$30,425
baseline
▲ 0.50% · 4.625%
HK$32,029
+HK$1,604/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$60,850/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,271
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$31,213
−HK$957/mo
Today · 4.125%
HK$32,170
baseline
▲ 0.50% · 4.625%
HK$34,127
+HK$1,957/mo
Deposit HK$2.84M · loan HK$6.64M · min. income ≈ HK$64,340/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$318,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,677
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$34,580
−HK$916/mo
Today · 4.125%
HK$35,496
baseline
▲ 0.50% · 4.625%
HK$37,367
+HK$1,871/mo
Deposit HK$2.84M · loan HK$6.64M · min. income ≈ HK$70,992/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$318,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,920
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$40,131
−HK$1,230/mo
Today · 4.125%
HK$41,361
baseline
▲ 0.50% · 4.625%
HK$43,878
+HK$2,517/mo
Deposit HK$948K · loan HK$8.53M · min. income ≈ HK$82,722/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,298
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$44,460
−HK$1,178/mo
Today · 4.125%
HK$45,638
baseline
▲ 0.50% · 4.625%
HK$48,043
+HK$2,405/mo
Deposit HK$948K · loan HK$8.53M · min. income ≈ HK$91,276/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,243 · 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).