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$21,635
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$22,308
−HK$684/mo
Today · 4.125%
HK$22,992
baseline
▲ 0.50% · 4.625%
HK$24,391
+HK$1,399/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$45,984/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,069
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$24,714
−HK$655/mo
Today · 4.125%
HK$25,369
baseline
▲ 0.50% · 4.625%
HK$26,707
+HK$1,338/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$50,738/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,962
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$26,770
−HK$820/mo
Today · 4.125%
HK$27,590
baseline
▲ 0.50% · 4.625%
HK$29,269
+HK$1,679/mo
Deposit HK$3.80M · loan HK$5.69M · min. income ≈ HK$55,180/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,883
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$29,657
−HK$786/mo
Today · 4.125%
HK$30,443
baseline
▲ 0.50% · 4.625%
HK$32,048
+HK$1,605/mo
Deposit HK$3.80M · loan HK$5.69M · min. income ≈ HK$60,886/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,289
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$31,231
−HK$958/mo
Today · 4.125%
HK$32,189
baseline
▲ 0.50% · 4.625%
HK$34,147
+HK$1,958/mo
Deposit HK$2.85M · loan HK$6.64M · min. income ≈ HK$64,378/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$318,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,696
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$34,600
−HK$917/mo
Today · 4.125%
HK$35,517
baseline
▲ 0.50% · 4.625%
HK$37,389
+HK$1,872/mo
Deposit HK$2.85M · loan HK$6.64M · min. income ≈ HK$71,034/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$318,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,943
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$40,155
−HK$1,230/mo
Today · 4.125%
HK$41,385
baseline
▲ 0.50% · 4.625%
HK$43,904
+HK$2,519/mo
Deposit HK$949K · loan HK$8.54M · min. income ≈ HK$82,770/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,324
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$44,486
−HK$1,179/mo
Today · 4.125%
HK$45,665
baseline
▲ 0.50% · 4.625%
HK$48,072
+HK$2,407/mo
Deposit HK$949K · loan HK$8.54M · min. income ≈ HK$91,330/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,805 · 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).