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$21,620
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$22,292
−HK$683/mo
Today · 4.125%
HK$22,975
baseline
▲ 0.50% · 4.625%
HK$24,373
+HK$1,398/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$45,950/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,052
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$24,697
−HK$654/mo
Today · 4.125%
HK$25,351
baseline
▲ 0.50% · 4.625%
HK$26,687
+HK$1,336/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$50,702/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,943
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$26,750
−HK$820/mo
Today · 4.125%
HK$27,570
baseline
▲ 0.50% · 4.625%
HK$29,248
+HK$1,678/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$55,140/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,862
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$29,636
−HK$785/mo
Today · 4.125%
HK$30,421
baseline
▲ 0.50% · 4.625%
HK$32,025
+HK$1,604/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$60,842/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,267
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$31,209
−HK$956/mo
Today · 4.125%
HK$32,165
baseline
▲ 0.50% · 4.625%
HK$34,123
+HK$1,958/mo
Deposit HK$2.84M · loan HK$6.64M · min. income ≈ HK$64,330/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$318,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,672
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$34,575
−HK$916/mo
Today · 4.125%
HK$35,491
baseline
▲ 0.50% · 4.625%
HK$37,362
+HK$1,871/mo
Deposit HK$2.84M · loan HK$6.64M · min. income ≈ HK$70,982/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$318,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,915
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$40,126
−HK$1,230/mo
Today · 4.125%
HK$41,356
baseline
▲ 0.50% · 4.625%
HK$43,872
+HK$2,516/mo
Deposit HK$948K · loan HK$8.53M · min. income ≈ HK$82,712/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,293
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$44,454
−HK$1,178/mo
Today · 4.125%
HK$45,632
baseline
▲ 0.50% · 4.625%
HK$48,037
+HK$2,405/mo
Deposit HK$948K · loan HK$8.53M · min. income ≈ HK$91,264/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,120 · 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).