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$21,590
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$22,261
−HK$682/mo
Today · 4.125%
HK$22,943
baseline
▲ 0.50% · 4.625%
HK$24,340
+HK$1,397/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$45,886/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$316,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,018
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$24,662
−HK$654/mo
Today · 4.125%
HK$25,316
baseline
▲ 0.50% · 4.625%
HK$26,650
+HK$1,334/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$50,632/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$316,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,908
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$26,713
−HK$819/mo
Today · 4.125%
HK$27,532
baseline
▲ 0.50% · 4.625%
HK$29,207
+HK$1,675/mo
Deposit HK$3.79M · loan HK$5.68M · min. income ≈ HK$55,064/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$316,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,822
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$29,595
−HK$784/mo
Today · 4.125%
HK$30,379
baseline
▲ 0.50% · 4.625%
HK$31,980
+HK$1,601/mo
Deposit HK$3.79M · loan HK$5.68M · min. income ≈ HK$60,758/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$316,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,225
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$31,166
−HK$955/mo
Today · 4.125%
HK$32,121
baseline
▲ 0.50% · 4.625%
HK$34,075
+HK$1,954/mo
Deposit HK$2.84M · loan HK$6.63M · min. income ≈ HK$64,242/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$316,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,626
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$34,527
−HK$915/mo
Today · 4.125%
HK$35,442
baseline
▲ 0.50% · 4.625%
HK$37,310
+HK$1,868/mo
Deposit HK$2.84M · loan HK$6.63M · min. income ≈ HK$70,884/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$316,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,861
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$40,070
−HK$1,228/mo
Today · 4.125%
HK$41,298
baseline
▲ 0.50% · 4.625%
HK$43,811
+HK$2,513/mo
Deposit HK$947K · loan HK$8.52M · min. income ≈ HK$82,596/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$316,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,233
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$44,392
−HK$1,177/mo
Today · 4.125%
HK$45,569
baseline
▲ 0.50% · 4.625%
HK$47,971
+HK$2,402/mo
Deposit HK$947K · loan HK$8.52M · min. income ≈ HK$91,138/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$316,808 · 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).