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$21,617
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,290
−HK$683/mo
Today · 4.125%
HK$22,973
baseline
▲ 0.50% · 4.625%
HK$24,371
+HK$1,398/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$45,946/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,049
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$24,694
−HK$654/mo
Today · 4.125%
HK$25,348
baseline
▲ 0.50% · 4.625%
HK$26,684
+HK$1,336/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$50,696/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,941
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$26,747
−HK$820/mo
Today · 4.125%
HK$27,567
baseline
▲ 0.50% · 4.625%
HK$29,245
+HK$1,678/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$55,134/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,859
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$29,633
−HK$785/mo
Today · 4.125%
HK$30,418
baseline
▲ 0.50% · 4.625%
HK$32,021
+HK$1,603/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$60,836/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,264
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$31,205
−HK$957/mo
Today · 4.125%
HK$32,162
baseline
▲ 0.50% · 4.625%
HK$34,119
+HK$1,957/mo
Deposit HK$2.84M · loan HK$6.64M · min. income ≈ HK$64,324/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$318,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,668
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$34,571
−HK$916/mo
Today · 4.125%
HK$35,487
baseline
▲ 0.50% · 4.625%
HK$37,358
+HK$1,871/mo
Deposit HK$2.84M · loan HK$6.64M · min. income ≈ HK$70,974/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$318,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,911
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$40,121
−HK$1,230/mo
Today · 4.125%
HK$41,351
baseline
▲ 0.50% · 4.625%
HK$43,867
+HK$2,516/mo
Deposit HK$948K · loan HK$8.53M · min. income ≈ HK$82,702/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,288
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$44,449
−HK$1,178/mo
Today · 4.125%
HK$45,627
baseline
▲ 0.50% · 4.625%
HK$48,032
+HK$2,405/mo
Deposit HK$948K · loan HK$8.53M · min. income ≈ HK$91,254/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,013 · 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).