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$21,615
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$22,287
−HK$683/mo
Today · 4.125%
HK$22,970
baseline
▲ 0.50% · 4.625%
HK$24,368
+HK$1,398/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$45,940/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$317,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,046
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$24,691
−HK$654/mo
Today · 4.125%
HK$25,345
baseline
▲ 0.50% · 4.625%
HK$26,681
+HK$1,336/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$50,690/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$317,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,938
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$26,745
−HK$819/mo
Today · 4.125%
HK$27,564
baseline
▲ 0.50% · 4.625%
HK$29,242
+HK$1,678/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$55,128/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$317,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,856
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$29,629
−HK$785/mo
Today · 4.125%
HK$30,414
baseline
▲ 0.50% · 4.625%
HK$32,018
+HK$1,604/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$60,828/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$317,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,261
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$31,202
−HK$956/mo
Today · 4.125%
HK$32,158
baseline
▲ 0.50% · 4.625%
HK$34,115
+HK$1,957/mo
Deposit HK$2.84M · loan HK$6.64M · min. income ≈ HK$64,316/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$317,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,665
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$34,568
−HK$916/mo
Today · 4.125%
HK$35,484
baseline
▲ 0.50% · 4.625%
HK$37,354
+HK$1,870/mo
Deposit HK$2.84M · loan HK$6.64M · min. income ≈ HK$70,968/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$317,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,907
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$40,117
−HK$1,229/mo
Today · 4.125%
HK$41,346
baseline
▲ 0.50% · 4.625%
HK$43,862
+HK$2,516/mo
Deposit HK$948K · loan HK$8.53M · min. income ≈ HK$82,692/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$317,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,283
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$44,444
−HK$1,178/mo
Today · 4.125%
HK$45,622
baseline
▲ 0.50% · 4.625%
HK$48,027
+HK$2,405/mo
Deposit HK$948K · loan HK$8.53M · min. income ≈ HK$91,244/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$317,912 · 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).