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$21,566
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$22,237
−HK$681/mo
Today · 4.125%
HK$22,918
baseline
▲ 0.50% · 4.625%
HK$24,313
+HK$1,395/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$45,836/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$315,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,992
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$24,635
−HK$653/mo
Today · 4.125%
HK$25,288
baseline
▲ 0.50% · 4.625%
HK$26,621
+HK$1,333/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$50,576/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$315,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,879
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$26,684
−HK$818/mo
Today · 4.125%
HK$27,502
baseline
▲ 0.50% · 4.625%
HK$29,175
+HK$1,673/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$55,004/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$315,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,790
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$29,562
−HK$783/mo
Today · 4.125%
HK$30,345
baseline
▲ 0.50% · 4.625%
HK$31,945
+HK$1,600/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$60,690/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$315,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,192
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$31,131
−HK$954/mo
Today · 4.125%
HK$32,085
baseline
▲ 0.50% · 4.625%
HK$34,038
+HK$1,953/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$64,170/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$315,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,588
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$34,489
−HK$914/mo
Today · 4.125%
HK$35,403
baseline
▲ 0.50% · 4.625%
HK$37,269
+HK$1,866/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$70,806/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$315,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,818
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$40,026
−HK$1,227/mo
Today · 4.125%
HK$41,253
baseline
▲ 0.50% · 4.625%
HK$43,763
+HK$2,510/mo
Deposit HK$946K · loan HK$8.51M · min. income ≈ HK$82,506/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$315,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,185
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$44,343
−HK$1,175/mo
Today · 4.125%
HK$45,518
baseline
▲ 0.50% · 4.625%
HK$47,917
+HK$2,399/mo
Deposit HK$946K · loan HK$8.51M · min. income ≈ HK$91,036/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$315,759 · 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).