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$21,562
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$22,233
−HK$681/mo
Today · 4.125%
HK$22,914
baseline
▲ 0.50% · 4.625%
HK$24,308
+HK$1,394/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$45,828/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$315,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,988
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$24,631
−HK$653/mo
Today · 4.125%
HK$25,284
baseline
▲ 0.50% · 4.625%
HK$26,616
+HK$1,332/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$50,568/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$315,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,874
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$26,679
−HK$818/mo
Today · 4.125%
HK$27,497
baseline
▲ 0.50% · 4.625%
HK$29,170
+HK$1,673/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$54,994/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$315,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,785
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$29,557
−HK$783/mo
Today · 4.125%
HK$30,340
baseline
▲ 0.50% · 4.625%
HK$31,940
+HK$1,600/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$60,680/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$315,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,187
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$31,126
−HK$954/mo
Today · 4.125%
HK$32,080
baseline
▲ 0.50% · 4.625%
HK$34,032
+HK$1,952/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$64,160/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$315,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,583
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$34,483
−HK$914/mo
Today · 4.125%
HK$35,397
baseline
▲ 0.50% · 4.625%
HK$37,263
+HK$1,866/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$70,794/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$315,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,812
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$40,019
−HK$1,227/mo
Today · 4.125%
HK$41,246
baseline
▲ 0.50% · 4.625%
HK$43,755
+HK$2,509/mo
Deposit HK$946K · loan HK$8.51M · min. income ≈ HK$82,492/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$315,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,178
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$44,336
−HK$1,174/mo
Today · 4.125%
HK$45,510
baseline
▲ 0.50% · 4.625%
HK$47,909
+HK$2,399/mo
Deposit HK$946K · loan HK$8.51M · min. income ≈ HK$91,020/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$315,599 · 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).