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$21,558
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$22,229
−HK$681/mo
Today · 4.125%
HK$22,910
baseline
▲ 0.50% · 4.625%
HK$24,304
+HK$1,394/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$45,820/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$315,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,983
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$24,627
−HK$652/mo
Today · 4.125%
HK$25,279
baseline
▲ 0.50% · 4.625%
HK$26,612
+HK$1,333/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$50,558/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$315,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,870
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$26,675
−HK$817/mo
Today · 4.125%
HK$27,492
baseline
▲ 0.50% · 4.625%
HK$29,165
+HK$1,673/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$54,984/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$315,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,780
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$29,552
−HK$783/mo
Today · 4.125%
HK$30,335
baseline
▲ 0.50% · 4.625%
HK$31,934
+HK$1,599/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$60,670/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$315,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,182
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$31,120
−HK$954/mo
Today · 4.125%
HK$32,074
baseline
▲ 0.50% · 4.625%
HK$34,026
+HK$1,952/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$64,148/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$315,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,577
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$34,477
−HK$914/mo
Today · 4.125%
HK$35,391
baseline
▲ 0.50% · 4.625%
HK$37,256
+HK$1,865/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$70,782/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$315,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,805
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$40,012
−HK$1,226/mo
Today · 4.125%
HK$41,238
baseline
▲ 0.50% · 4.625%
HK$43,748
+HK$2,510/mo
Deposit HK$945K · loan HK$8.51M · min. income ≈ HK$82,476/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$315,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,170
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$44,328
−HK$1,174/mo
Today · 4.125%
HK$45,502
baseline
▲ 0.50% · 4.625%
HK$47,901
+HK$2,399/mo
Deposit HK$945K · loan HK$8.51M · min. income ≈ HK$91,004/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$315,433 · 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).