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$21,593
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$22,265
−HK$683/mo
Today · 4.125%
HK$22,948
baseline
▲ 0.50% · 4.625%
HK$24,344
+HK$1,396/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$45,896/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$316,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,023
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$24,667
−HK$653/mo
Today · 4.125%
HK$25,320
baseline
▲ 0.50% · 4.625%
HK$26,655
+HK$1,335/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$50,640/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$316,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,912
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$26,718
−HK$819/mo
Today · 4.125%
HK$27,537
baseline
▲ 0.50% · 4.625%
HK$29,213
+HK$1,676/mo
Deposit HK$3.79M · loan HK$5.68M · min. income ≈ HK$55,074/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$316,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,827
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$29,600
−HK$784/mo
Today · 4.125%
HK$30,384
baseline
▲ 0.50% · 4.625%
HK$31,986
+HK$1,602/mo
Deposit HK$3.79M · loan HK$5.68M · min. income ≈ HK$60,768/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$316,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,231
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$31,171
−HK$956/mo
Today · 4.125%
HK$32,127
baseline
▲ 0.50% · 4.625%
HK$34,081
+HK$1,954/mo
Deposit HK$2.84M · loan HK$6.63M · min. income ≈ HK$64,254/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$316,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,632
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$34,533
−HK$916/mo
Today · 4.125%
HK$35,449
baseline
▲ 0.50% · 4.625%
HK$37,317
+HK$1,868/mo
Deposit HK$2.84M · loan HK$6.63M · min. income ≈ HK$70,898/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$316,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,868
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$40,077
−HK$1,229/mo
Today · 4.125%
HK$41,306
baseline
▲ 0.50% · 4.625%
HK$43,819
+HK$2,513/mo
Deposit HK$947K · loan HK$8.52M · min. income ≈ HK$82,612/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$316,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,241
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$44,400
−HK$1,177/mo
Today · 4.125%
HK$45,577
baseline
▲ 0.50% · 4.625%
HK$47,979
+HK$2,402/mo
Deposit HK$947K · loan HK$8.52M · min. income ≈ HK$91,154/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$316,975 · 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).