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$21,565
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$22,236
−HK$681/mo
Today · 4.125%
HK$22,917
baseline
▲ 0.50% · 4.625%
HK$24,312
+HK$1,395/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$45,834/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$315,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,991
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$24,634
−HK$653/mo
Today · 4.125%
HK$25,287
baseline
▲ 0.50% · 4.625%
HK$26,620
+HK$1,333/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$50,574/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$315,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,878
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$26,683
−HK$817/mo
Today · 4.125%
HK$27,500
baseline
▲ 0.50% · 4.625%
HK$29,174
+HK$1,674/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$55,000/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$315,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,789
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$29,561
−HK$783/mo
Today · 4.125%
HK$30,344
baseline
▲ 0.50% · 4.625%
HK$31,944
+HK$1,600/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$60,688/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$315,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,191
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$31,130
−HK$954/mo
Today · 4.125%
HK$32,084
baseline
▲ 0.50% · 4.625%
HK$34,036
+HK$1,952/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$64,168/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$315,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,587
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$34,488
−HK$913/mo
Today · 4.125%
HK$35,401
baseline
▲ 0.50% · 4.625%
HK$37,267
+HK$1,866/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$70,802/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$315,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,817
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$40,024
−HK$1,227/mo
Today · 4.125%
HK$41,251
baseline
▲ 0.50% · 4.625%
HK$43,761
+HK$2,510/mo
Deposit HK$946K · loan HK$8.51M · min. income ≈ HK$82,502/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$315,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,183
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$44,341
−HK$1,175/mo
Today · 4.125%
HK$45,516
baseline
▲ 0.50% · 4.625%
HK$47,915
+HK$2,399/mo
Deposit HK$946K · loan HK$8.51M · min. income ≈ HK$91,032/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$315,717 · 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).