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$21,606
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$22,278
−HK$683/mo
Today · 4.125%
HK$22,961
baseline
▲ 0.50% · 4.625%
HK$24,358
+HK$1,397/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$45,922/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$317,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,037
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$24,681
−HK$654/mo
Today · 4.125%
HK$25,335
baseline
▲ 0.50% · 4.625%
HK$26,671
+HK$1,336/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$50,670/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$317,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,927
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$26,734
−HK$819/mo
Today · 4.125%
HK$27,553
baseline
▲ 0.50% · 4.625%
HK$29,230
+HK$1,677/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$55,106/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$317,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,844
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$29,618
−HK$784/mo
Today · 4.125%
HK$30,402
baseline
▲ 0.50% · 4.625%
HK$32,005
+HK$1,603/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$60,804/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$317,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,249
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$31,190
−HK$956/mo
Today · 4.125%
HK$32,146
baseline
▲ 0.50% · 4.625%
HK$34,101
+HK$1,955/mo
Deposit HK$2.84M · loan HK$6.63M · min. income ≈ HK$64,292/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$317,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,651
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$34,554
−HK$915/mo
Today · 4.125%
HK$35,469
baseline
▲ 0.50% · 4.625%
HK$37,339
+HK$1,870/mo
Deposit HK$2.84M · loan HK$6.63M · min. income ≈ HK$70,938/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$317,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,891
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$40,101
−HK$1,229/mo
Today · 4.125%
HK$41,330
baseline
▲ 0.50% · 4.625%
HK$43,845
+HK$2,515/mo
Deposit HK$948K · loan HK$8.53M · min. income ≈ HK$82,660/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$317,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,266
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$44,426
−HK$1,178/mo
Today · 4.125%
HK$45,604
baseline
▲ 0.50% · 4.625%
HK$48,007
+HK$2,403/mo
Deposit HK$948K · loan HK$8.53M · min. income ≈ HK$91,208/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$317,533 · 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).