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$21,622
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,294
−HK$684/mo
Today · 4.125%
HK$22,978
baseline
▲ 0.50% · 4.625%
HK$24,376
+HK$1,398/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$45,956/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,054
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$24,699
−HK$655/mo
Today · 4.125%
HK$25,354
baseline
▲ 0.50% · 4.625%
HK$26,690
+HK$1,336/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$50,708/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,946
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$26,753
−HK$820/mo
Today · 4.125%
HK$27,573
baseline
▲ 0.50% · 4.625%
HK$29,251
+HK$1,678/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$55,146/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,865
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$29,639
−HK$785/mo
Today · 4.125%
HK$30,424
baseline
▲ 0.50% · 4.625%
HK$32,028
+HK$1,604/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$60,848/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,271
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$31,212
−HK$957/mo
Today · 4.125%
HK$32,169
baseline
▲ 0.50% · 4.625%
HK$34,126
+HK$1,957/mo
Deposit HK$2.84M · loan HK$6.64M · min. income ≈ HK$64,338/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$318,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,676
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$34,579
−HK$916/mo
Today · 4.125%
HK$35,495
baseline
▲ 0.50% · 4.625%
HK$37,366
+HK$1,871/mo
Deposit HK$2.84M · loan HK$6.64M · min. income ≈ HK$70,990/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$318,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,919
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$40,130
−HK$1,230/mo
Today · 4.125%
HK$41,360
baseline
▲ 0.50% · 4.625%
HK$43,876
+HK$2,516/mo
Deposit HK$948K · loan HK$8.53M · min. income ≈ HK$82,720/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,297
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$44,458
−HK$1,178/mo
Today · 4.125%
HK$45,636
baseline
▲ 0.50% · 4.625%
HK$48,042
+HK$2,406/mo
Deposit HK$948K · loan HK$8.53M · min. income ≈ HK$91,272/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,219 · 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).