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$21,602
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$22,274
−HK$682/mo
Today · 4.125%
HK$22,956
baseline
▲ 0.50% · 4.625%
HK$24,353
+HK$1,397/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$45,912/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$317,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,032
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$24,676
−HK$654/mo
Today · 4.125%
HK$25,330
baseline
▲ 0.50% · 4.625%
HK$26,665
+HK$1,335/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$50,660/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$317,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,922
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$26,728
−HK$820/mo
Today · 4.125%
HK$27,548
baseline
▲ 0.50% · 4.625%
HK$29,224
+HK$1,676/mo
Deposit HK$3.79M · loan HK$5.68M · min. income ≈ HK$55,096/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$317,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,838
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$29,611
−HK$785/mo
Today · 4.125%
HK$30,396
baseline
▲ 0.50% · 4.625%
HK$31,998
+HK$1,602/mo
Deposit HK$3.79M · loan HK$5.68M · min. income ≈ HK$60,792/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$317,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,242
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$31,183
−HK$956/mo
Today · 4.125%
HK$32,139
baseline
▲ 0.50% · 4.625%
HK$34,094
+HK$1,955/mo
Deposit HK$2.84M · loan HK$6.63M · min. income ≈ HK$64,278/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$317,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,644
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$34,547
−HK$915/mo
Today · 4.125%
HK$35,462
baseline
▲ 0.50% · 4.625%
HK$37,331
+HK$1,869/mo
Deposit HK$2.84M · loan HK$6.63M · min. income ≈ HK$70,924/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$317,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,883
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$40,093
−HK$1,228/mo
Today · 4.125%
HK$41,321
baseline
▲ 0.50% · 4.625%
HK$43,836
+HK$2,515/mo
Deposit HK$947K · loan HK$8.53M · min. income ≈ HK$82,642/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$317,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,257
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$44,417
−HK$1,177/mo
Today · 4.125%
HK$45,594
baseline
▲ 0.50% · 4.625%
HK$47,997
+HK$2,403/mo
Deposit HK$947K · loan HK$8.53M · min. income ≈ HK$91,188/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$317,338 · 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).