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$21,632
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$22,305
−HK$684/mo
Today · 4.125%
HK$22,989
baseline
▲ 0.50% · 4.625%
HK$24,388
+HK$1,399/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$45,978/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,066
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$24,711
−HK$655/mo
Today · 4.125%
HK$25,366
baseline
▲ 0.50% · 4.625%
HK$26,703
+HK$1,337/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$50,732/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,959
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$26,766
−HK$821/mo
Today · 4.125%
HK$27,587
baseline
▲ 0.50% · 4.625%
HK$29,265
+HK$1,678/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$55,174/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,879
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$29,654
−HK$785/mo
Today · 4.125%
HK$30,439
baseline
▲ 0.50% · 4.625%
HK$32,044
+HK$1,605/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$60,878/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,285
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$31,227
−HK$958/mo
Today · 4.125%
HK$32,185
baseline
▲ 0.50% · 4.625%
HK$34,143
+HK$1,958/mo
Deposit HK$2.85M · loan HK$6.64M · min. income ≈ HK$64,370/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$318,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,692
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$34,596
−HK$916/mo
Today · 4.125%
HK$35,512
baseline
▲ 0.50% · 4.625%
HK$37,384
+HK$1,872/mo
Deposit HK$2.85M · loan HK$6.64M · min. income ≈ HK$71,024/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$318,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,938
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$40,150
−HK$1,230/mo
Today · 4.125%
HK$41,380
baseline
▲ 0.50% · 4.625%
HK$43,898
+HK$2,518/mo
Deposit HK$949K · loan HK$8.54M · min. income ≈ HK$82,760/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,319
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$44,480
−HK$1,179/mo
Today · 4.125%
HK$45,659
baseline
▲ 0.50% · 4.625%
HK$48,066
+HK$2,407/mo
Deposit HK$949K · loan HK$8.54M · min. income ≈ HK$91,318/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,684 · 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).