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$21,633
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$22,306
−HK$684/mo
Today · 4.125%
HK$22,990
baseline
▲ 0.50% · 4.625%
HK$24,389
+HK$1,399/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$45,980/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,067
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$24,712
−HK$655/mo
Today · 4.125%
HK$25,367
baseline
▲ 0.50% · 4.625%
HK$26,704
+HK$1,337/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$50,734/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,960
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$26,767
−HK$821/mo
Today · 4.125%
HK$27,588
baseline
▲ 0.50% · 4.625%
HK$29,266
+HK$1,678/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$55,176/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,880
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$29,655
−HK$785/mo
Today · 4.125%
HK$30,440
baseline
▲ 0.50% · 4.625%
HK$32,045
+HK$1,605/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$60,880/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,286
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$31,229
−HK$957/mo
Today · 4.125%
HK$32,186
baseline
▲ 0.50% · 4.625%
HK$34,144
+HK$1,958/mo
Deposit HK$2.85M · loan HK$6.64M · min. income ≈ HK$64,372/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$318,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,693
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$34,597
−HK$917/mo
Today · 4.125%
HK$35,514
baseline
▲ 0.50% · 4.625%
HK$37,386
+HK$1,872/mo
Deposit HK$2.85M · loan HK$6.64M · min. income ≈ HK$71,028/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$318,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,940
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$40,151
−HK$1,231/mo
Today · 4.125%
HK$41,382
baseline
▲ 0.50% · 4.625%
HK$43,900
+HK$2,518/mo
Deposit HK$949K · loan HK$8.54M · min. income ≈ HK$82,764/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,320
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$44,482
−HK$1,179/mo
Today · 4.125%
HK$45,661
baseline
▲ 0.50% · 4.625%
HK$48,067
+HK$2,406/mo
Deposit HK$949K · loan HK$8.54M · min. income ≈ HK$91,322/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,717 · 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).