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$21,623
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,296
−HK$683/mo
Today · 4.125%
HK$22,979
baseline
▲ 0.50% · 4.625%
HK$24,378
+HK$1,399/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$45,958/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,056
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$24,701
−HK$654/mo
Today · 4.125%
HK$25,355
baseline
▲ 0.50% · 4.625%
HK$26,692
+HK$1,337/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$50,710/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,948
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$26,755
−HK$820/mo
Today · 4.125%
HK$27,575
baseline
▲ 0.50% · 4.625%
HK$29,253
+HK$1,678/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$55,150/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,867
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$29,641
−HK$786/mo
Today · 4.125%
HK$30,427
baseline
▲ 0.50% · 4.625%
HK$32,030
+HK$1,603/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$60,854/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,273
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$31,214
−HK$957/mo
Today · 4.125%
HK$32,171
baseline
▲ 0.50% · 4.625%
HK$34,129
+HK$1,958/mo
Deposit HK$2.84M · loan HK$6.64M · min. income ≈ HK$64,342/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$318,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,678
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$34,581
−HK$917/mo
Today · 4.125%
HK$35,498
baseline
▲ 0.50% · 4.625%
HK$37,369
+HK$1,871/mo
Deposit HK$2.84M · loan HK$6.64M · min. income ≈ HK$70,996/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$318,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,922
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$40,133
−HK$1,230/mo
Today · 4.125%
HK$41,363
baseline
▲ 0.50% · 4.625%
HK$43,880
+HK$2,517/mo
Deposit HK$948K · loan HK$8.53M · min. income ≈ HK$82,726/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,300
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$44,462
−HK$1,178/mo
Today · 4.125%
HK$45,640
baseline
▲ 0.50% · 4.625%
HK$48,046
+HK$2,406/mo
Deposit HK$948K · loan HK$8.53M · min. income ≈ HK$91,280/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,289 · 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).