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$21,612
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,285
−HK$683/mo
Today · 4.125%
HK$22,968
baseline
▲ 0.50% · 4.625%
HK$24,365
+HK$1,397/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$45,936/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$317,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,043
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$24,688
−HK$654/mo
Today · 4.125%
HK$25,342
baseline
▲ 0.50% · 4.625%
HK$26,678
+HK$1,336/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$50,684/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$317,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,935
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$26,741
−HK$820/mo
Today · 4.125%
HK$27,561
baseline
▲ 0.50% · 4.625%
HK$29,238
+HK$1,677/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$55,122/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$317,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,852
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$29,626
−HK$785/mo
Today · 4.125%
HK$30,411
baseline
▲ 0.50% · 4.625%
HK$32,014
+HK$1,603/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$60,822/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$317,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,257
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$31,198
−HK$957/mo
Today · 4.125%
HK$32,155
baseline
▲ 0.50% · 4.625%
HK$34,111
+HK$1,956/mo
Deposit HK$2.84M · loan HK$6.63M · min. income ≈ HK$64,310/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$317,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,661
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$34,564
−HK$915/mo
Today · 4.125%
HK$35,479
baseline
▲ 0.50% · 4.625%
HK$37,350
+HK$1,871/mo
Deposit HK$2.84M · loan HK$6.63M · min. income ≈ HK$70,958/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$317,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,902
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$40,112
−HK$1,230/mo
Today · 4.125%
HK$41,342
baseline
▲ 0.50% · 4.625%
HK$43,857
+HK$2,515/mo
Deposit HK$948K · loan HK$8.53M · min. income ≈ HK$82,684/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$317,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,278
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$44,439
−HK$1,177/mo
Today · 4.125%
HK$45,616
baseline
▲ 0.50% · 4.625%
HK$48,021
+HK$2,405/mo
Deposit HK$948K · loan HK$8.53M · min. income ≈ HK$91,232/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$317,801 · 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).