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$21,556
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$22,226
−HK$682/mo
Today · 4.125%
HK$22,908
baseline
▲ 0.50% · 4.625%
HK$24,302
+HK$1,394/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$45,816/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$315,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,981
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$24,624
−HK$652/mo
Today · 4.125%
HK$25,276
baseline
▲ 0.50% · 4.625%
HK$26,609
+HK$1,333/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$50,552/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$315,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,867
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$26,672
−HK$817/mo
Today · 4.125%
HK$27,489
baseline
▲ 0.50% · 4.625%
HK$29,162
+HK$1,673/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$54,978/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$315,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,777
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$29,549
−HK$783/mo
Today · 4.125%
HK$30,332
baseline
▲ 0.50% · 4.625%
HK$31,930
+HK$1,598/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$60,664/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$315,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,178
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$31,117
−HK$954/mo
Today · 4.125%
HK$32,071
baseline
▲ 0.50% · 4.625%
HK$34,022
+HK$1,951/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$64,142/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$315,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,573
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$34,473
−HK$914/mo
Today · 4.125%
HK$35,387
baseline
▲ 0.50% · 4.625%
HK$37,252
+HK$1,865/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$70,774/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$315,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,801
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$40,008
−HK$1,226/mo
Today · 4.125%
HK$41,234
baseline
▲ 0.50% · 4.625%
HK$43,743
+HK$2,509/mo
Deposit HK$945K · loan HK$8.51M · min. income ≈ HK$82,468/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$315,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,165
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$44,323
−HK$1,174/mo
Today · 4.125%
HK$45,497
baseline
▲ 0.50% · 4.625%
HK$47,896
+HK$2,399/mo
Deposit HK$945K · loan HK$8.51M · min. income ≈ HK$90,994/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$315,329 · 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).