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$21,637
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$22,310
−HK$684/mo
Today · 4.125%
HK$22,994
baseline
▲ 0.50% · 4.625%
HK$24,393
+HK$1,399/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$45,988/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,071
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$24,717
−HK$655/mo
Today · 4.125%
HK$25,372
baseline
▲ 0.50% · 4.625%
HK$26,709
+HK$1,337/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$50,744/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,965
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$26,772
−HK$821/mo
Today · 4.125%
HK$27,593
baseline
▲ 0.50% · 4.625%
HK$29,272
+HK$1,679/mo
Deposit HK$3.80M · loan HK$5.69M · min. income ≈ HK$55,186/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,885
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$29,660
−HK$786/mo
Today · 4.125%
HK$30,446
baseline
▲ 0.50% · 4.625%
HK$32,051
+HK$1,605/mo
Deposit HK$3.80M · loan HK$5.69M · min. income ≈ HK$60,892/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,292
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$31,234
−HK$958/mo
Today · 4.125%
HK$32,192
baseline
▲ 0.50% · 4.625%
HK$34,151
+HK$1,959/mo
Deposit HK$2.85M · loan HK$6.64M · min. income ≈ HK$64,384/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$318,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,700
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$34,604
−HK$916/mo
Today · 4.125%
HK$35,520
baseline
▲ 0.50% · 4.625%
HK$37,393
+HK$1,873/mo
Deposit HK$2.85M · loan HK$6.64M · min. income ≈ HK$71,040/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$318,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,947
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$40,159
−HK$1,230/mo
Today · 4.125%
HK$41,389
baseline
▲ 0.50% · 4.625%
HK$43,908
+HK$2,519/mo
Deposit HK$949K · loan HK$8.54M · min. income ≈ HK$82,778/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,328
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$44,490
−HK$1,179/mo
Today · 4.125%
HK$45,669
baseline
▲ 0.50% · 4.625%
HK$48,076
+HK$2,407/mo
Deposit HK$949K · loan HK$8.54M · min. income ≈ HK$91,338/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,895 · 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).