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$21,561
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$22,232
−HK$681/mo
Today · 4.125%
HK$22,913
baseline
▲ 0.50% · 4.625%
HK$24,307
+HK$1,394/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$45,826/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$315,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,987
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$24,630
−HK$652/mo
Today · 4.125%
HK$25,282
baseline
▲ 0.50% · 4.625%
HK$26,615
+HK$1,333/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$50,564/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$315,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,873
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$26,678
−HK$818/mo
Today · 4.125%
HK$27,496
baseline
▲ 0.50% · 4.625%
HK$29,169
+HK$1,673/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$54,992/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$315,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,784
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$29,556
−HK$783/mo
Today · 4.125%
HK$30,339
baseline
▲ 0.50% · 4.625%
HK$31,938
+HK$1,599/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$60,678/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$315,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,186
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$31,125
−HK$954/mo
Today · 4.125%
HK$32,079
baseline
▲ 0.50% · 4.625%
HK$34,030
+HK$1,951/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$64,158/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$315,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,581
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$34,482
−HK$913/mo
Today · 4.125%
HK$35,395
baseline
▲ 0.50% · 4.625%
HK$37,261
+HK$1,866/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$70,790/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$315,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,810
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$40,017
−HK$1,227/mo
Today · 4.125%
HK$41,244
baseline
▲ 0.50% · 4.625%
HK$43,753
+HK$2,509/mo
Deposit HK$946K · loan HK$8.51M · min. income ≈ HK$82,488/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$315,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,176
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$44,334
−HK$1,174/mo
Today · 4.125%
HK$45,508
baseline
▲ 0.50% · 4.625%
HK$47,907
+HK$2,399/mo
Deposit HK$946K · loan HK$8.51M · min. income ≈ HK$91,016/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$315,559 · 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).