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$21,597
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$22,269
−HK$682/mo
Today · 4.125%
HK$22,951
baseline
▲ 0.50% · 4.625%
HK$24,348
+HK$1,397/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$45,902/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$317,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,026
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$24,671
−HK$653/mo
Today · 4.125%
HK$25,324
baseline
▲ 0.50% · 4.625%
HK$26,659
+HK$1,335/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$50,648/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$317,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,916
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$26,722
−HK$820/mo
Today · 4.125%
HK$27,542
baseline
▲ 0.50% · 4.625%
HK$29,217
+HK$1,675/mo
Deposit HK$3.79M · loan HK$5.68M · min. income ≈ HK$55,084/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$317,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,832
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$29,605
−HK$784/mo
Today · 4.125%
HK$30,389
baseline
▲ 0.50% · 4.625%
HK$31,991
+HK$1,602/mo
Deposit HK$3.79M · loan HK$5.68M · min. income ≈ HK$60,778/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$317,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,236
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$31,176
−HK$956/mo
Today · 4.125%
HK$32,132
baseline
▲ 0.50% · 4.625%
HK$34,087
+HK$1,955/mo
Deposit HK$2.84M · loan HK$6.63M · min. income ≈ HK$64,264/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$317,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,637
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$34,539
−HK$915/mo
Today · 4.125%
HK$35,454
baseline
▲ 0.50% · 4.625%
HK$37,323
+HK$1,869/mo
Deposit HK$2.84M · loan HK$6.63M · min. income ≈ HK$70,908/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$317,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,875
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$40,084
−HK$1,228/mo
Today · 4.125%
HK$41,312
baseline
▲ 0.50% · 4.625%
HK$43,826
+HK$2,514/mo
Deposit HK$947K · loan HK$8.52M · min. income ≈ HK$82,624/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$317,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,247
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$44,407
−HK$1,177/mo
Today · 4.125%
HK$45,584
baseline
▲ 0.50% · 4.625%
HK$47,987
+HK$2,403/mo
Deposit HK$947K · loan HK$8.52M · min. income ≈ HK$91,168/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$317,128 · 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).