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$21,557
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$22,228
−HK$681/mo
Today · 4.125%
HK$22,909
baseline
▲ 0.50% · 4.625%
HK$24,303
+HK$1,394/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$45,818/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$315,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,982
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$24,625
−HK$653/mo
Today · 4.125%
HK$25,278
baseline
▲ 0.50% · 4.625%
HK$26,610
+HK$1,332/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$50,556/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$315,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,869
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$26,673
−HK$818/mo
Today · 4.125%
HK$27,491
baseline
▲ 0.50% · 4.625%
HK$29,164
+HK$1,673/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$54,982/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$315,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,779
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$29,550
−HK$783/mo
Today · 4.125%
HK$30,333
baseline
▲ 0.50% · 4.625%
HK$31,932
+HK$1,599/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$60,666/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$315,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,180
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$31,119
−HK$954/mo
Today · 4.125%
HK$32,073
baseline
▲ 0.50% · 4.625%
HK$34,024
+HK$1,951/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$64,146/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$315,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,575
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$34,476
−HK$913/mo
Today · 4.125%
HK$35,389
baseline
▲ 0.50% · 4.625%
HK$37,254
+HK$1,865/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$70,778/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$315,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,803
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$40,010
−HK$1,226/mo
Today · 4.125%
HK$41,236
baseline
▲ 0.50% · 4.625%
HK$43,745
+HK$2,509/mo
Deposit HK$945K · loan HK$8.51M · min. income ≈ HK$82,472/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$315,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,168
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$44,326
−HK$1,174/mo
Today · 4.125%
HK$45,500
baseline
▲ 0.50% · 4.625%
HK$47,899
+HK$2,399/mo
Deposit HK$945K · loan HK$8.51M · min. income ≈ HK$91,000/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$315,386 · 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).