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$21,563
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$22,234
−HK$682/mo
Today · 4.125%
HK$22,916
baseline
▲ 0.50% · 4.625%
HK$24,310
+HK$1,394/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$45,832/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$315,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,989
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$24,632
−HK$653/mo
Today · 4.125%
HK$25,285
baseline
▲ 0.50% · 4.625%
HK$26,618
+HK$1,333/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$50,570/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$315,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,876
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$26,681
−HK$818/mo
Today · 4.125%
HK$27,499
baseline
▲ 0.50% · 4.625%
HK$29,172
+HK$1,673/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$54,998/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$315,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,787
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$29,559
−HK$783/mo
Today · 4.125%
HK$30,342
baseline
▲ 0.50% · 4.625%
HK$31,941
+HK$1,599/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$60,684/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$315,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,189
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$31,128
−HK$954/mo
Today · 4.125%
HK$32,082
baseline
▲ 0.50% · 4.625%
HK$34,034
+HK$1,952/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$64,164/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$315,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,585
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$34,485
−HK$914/mo
Today · 4.125%
HK$35,399
baseline
▲ 0.50% · 4.625%
HK$37,265
+HK$1,866/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$70,798/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$315,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,814
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$40,021
−HK$1,227/mo
Today · 4.125%
HK$41,248
baseline
▲ 0.50% · 4.625%
HK$43,758
+HK$2,510/mo
Deposit HK$946K · loan HK$8.51M · min. income ≈ HK$82,496/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$315,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,180
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$44,338
−HK$1,175/mo
Today · 4.125%
HK$45,513
baseline
▲ 0.50% · 4.625%
HK$47,912
+HK$2,399/mo
Deposit HK$946K · loan HK$8.51M · min. income ≈ HK$91,026/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$315,656 · 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).