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$21,629
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,302
−HK$683/mo
Today · 4.125%
HK$22,985
baseline
▲ 0.50% · 4.625%
HK$24,384
+HK$1,399/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$45,970/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,062
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$24,707
−HK$655/mo
Today · 4.125%
HK$25,362
baseline
▲ 0.50% · 4.625%
HK$26,699
+HK$1,337/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$50,724/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,955
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$26,762
−HK$820/mo
Today · 4.125%
HK$27,582
baseline
▲ 0.50% · 4.625%
HK$29,261
+HK$1,679/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$55,164/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,874
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$29,649
−HK$785/mo
Today · 4.125%
HK$30,434
baseline
▲ 0.50% · 4.625%
HK$32,038
+HK$1,604/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$60,868/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,280
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$31,222
−HK$957/mo
Today · 4.125%
HK$32,179
baseline
▲ 0.50% · 4.625%
HK$34,137
+HK$1,958/mo
Deposit HK$2.85M · loan HK$6.64M · min. income ≈ HK$64,358/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$318,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,687
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$34,590
−HK$917/mo
Today · 4.125%
HK$35,507
baseline
▲ 0.50% · 4.625%
HK$37,378
+HK$1,871/mo
Deposit HK$2.85M · loan HK$6.64M · min. income ≈ HK$71,014/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$318,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,932
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$40,143
−HK$1,230/mo
Today · 4.125%
HK$41,373
baseline
▲ 0.50% · 4.625%
HK$43,891
+HK$2,518/mo
Deposit HK$949K · loan HK$8.54M · min. income ≈ HK$82,746/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,311
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$44,473
−HK$1,178/mo
Today · 4.125%
HK$45,651
baseline
▲ 0.50% · 4.625%
HK$48,058
+HK$2,407/mo
Deposit HK$949K · loan HK$8.54M · min. income ≈ HK$91,302/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,528 · 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).