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$21,579
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$22,250
−HK$682/mo
Today · 4.125%
HK$22,932
baseline
▲ 0.50% · 4.625%
HK$24,327
+HK$1,395/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$45,864/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$316,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,006
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$24,650
−HK$653/mo
Today · 4.125%
HK$25,303
baseline
▲ 0.50% · 4.625%
HK$26,637
+HK$1,334/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$50,606/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$316,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,895
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$26,700
−HK$818/mo
Today · 4.125%
HK$27,518
baseline
▲ 0.50% · 4.625%
HK$29,193
+HK$1,675/mo
Deposit HK$3.79M · loan HK$5.68M · min. income ≈ HK$55,036/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$316,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,808
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$29,580
−HK$784/mo
Today · 4.125%
HK$30,364
baseline
▲ 0.50% · 4.625%
HK$31,964
+HK$1,600/mo
Deposit HK$3.79M · loan HK$5.68M · min. income ≈ HK$60,728/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$316,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,210
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$31,150
−HK$955/mo
Today · 4.125%
HK$32,105
baseline
▲ 0.50% · 4.625%
HK$34,058
+HK$1,953/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$64,210/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$316,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,609
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$34,510
−HK$915/mo
Today · 4.125%
HK$35,425
baseline
▲ 0.50% · 4.625%
HK$37,292
+HK$1,867/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$70,850/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$316,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,842
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$40,050
−HK$1,228/mo
Today · 4.125%
HK$41,278
baseline
▲ 0.50% · 4.625%
HK$43,789
+HK$2,511/mo
Deposit HK$946K · loan HK$8.52M · min. income ≈ HK$82,556/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$316,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,211
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$44,370
−HK$1,176/mo
Today · 4.125%
HK$45,546
baseline
▲ 0.50% · 4.625%
HK$47,947
+HK$2,401/mo
Deposit HK$946K · loan HK$8.52M · min. income ≈ HK$91,092/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$316,335 · 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).