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$21,630
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$22,303
−HK$684/mo
Today · 4.125%
HK$22,987
baseline
▲ 0.50% · 4.625%
HK$24,385
+HK$1,398/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$45,974/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,063
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$24,709
−HK$654/mo
Today · 4.125%
HK$25,363
baseline
▲ 0.50% · 4.625%
HK$26,700
+HK$1,337/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$50,726/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,956
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$26,764
−HK$820/mo
Today · 4.125%
HK$27,584
baseline
▲ 0.50% · 4.625%
HK$29,262
+HK$1,678/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$55,168/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,876
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$29,650
−HK$786/mo
Today · 4.125%
HK$30,436
baseline
▲ 0.50% · 4.625%
HK$32,040
+HK$1,604/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$60,872/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,282
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$31,224
−HK$957/mo
Today · 4.125%
HK$32,181
baseline
▲ 0.50% · 4.625%
HK$34,139
+HK$1,958/mo
Deposit HK$2.85M · loan HK$6.64M · min. income ≈ HK$64,362/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$318,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,689
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$34,592
−HK$917/mo
Today · 4.125%
HK$35,509
baseline
▲ 0.50% · 4.625%
HK$37,380
+HK$1,871/mo
Deposit HK$2.85M · loan HK$6.64M · min. income ≈ HK$71,018/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$318,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,934
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$40,145
−HK$1,231/mo
Today · 4.125%
HK$41,376
baseline
▲ 0.50% · 4.625%
HK$43,893
+HK$2,517/mo
Deposit HK$949K · loan HK$8.54M · min. income ≈ HK$82,752/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,314
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$44,476
−HK$1,178/mo
Today · 4.125%
HK$45,654
baseline
▲ 0.50% · 4.625%
HK$48,061
+HK$2,407/mo
Deposit HK$949K · loan HK$8.54M · min. income ≈ HK$91,308/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,584 · 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).