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$21,613
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$22,285
−HK$683/mo
Today · 4.125%
HK$22,968
baseline
▲ 0.50% · 4.625%
HK$24,366
+HK$1,398/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$45,936/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$317,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,044
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$24,689
−HK$654/mo
Today · 4.125%
HK$25,343
baseline
▲ 0.50% · 4.625%
HK$26,679
+HK$1,336/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$50,686/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$317,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,936
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$26,742
−HK$820/mo
Today · 4.125%
HK$27,562
baseline
▲ 0.50% · 4.625%
HK$29,239
+HK$1,677/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$55,124/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$317,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,853
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$29,627
−HK$785/mo
Today · 4.125%
HK$30,412
baseline
▲ 0.50% · 4.625%
HK$32,015
+HK$1,603/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$60,824/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$317,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,258
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$31,199
−HK$957/mo
Today · 4.125%
HK$32,156
baseline
▲ 0.50% · 4.625%
HK$34,112
+HK$1,956/mo
Deposit HK$2.84M · loan HK$6.63M · min. income ≈ HK$64,312/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$317,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,662
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$34,565
−HK$916/mo
Today · 4.125%
HK$35,481
baseline
▲ 0.50% · 4.625%
HK$37,351
+HK$1,870/mo
Deposit HK$2.84M · loan HK$6.63M · min. income ≈ HK$70,962/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$317,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,903
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$40,113
−HK$1,230/mo
Today · 4.125%
HK$41,343
baseline
▲ 0.50% · 4.625%
HK$43,859
+HK$2,516/mo
Deposit HK$948K · loan HK$8.53M · min. income ≈ HK$82,686/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$317,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,280
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$44,440
−HK$1,178/mo
Today · 4.125%
HK$45,618
baseline
▲ 0.50% · 4.625%
HK$48,022
+HK$2,404/mo
Deposit HK$948K · loan HK$8.53M · min. income ≈ HK$91,236/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$317,832 · 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).