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$21,613
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,286
−HK$683/mo
Today · 4.125%
HK$22,969
baseline
▲ 0.50% · 4.625%
HK$24,366
+HK$1,397/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$45,938/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$317,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,045
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$24,690
−HK$654/mo
Today · 4.125%
HK$25,344
baseline
▲ 0.50% · 4.625%
HK$26,680
+HK$1,336/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$50,688/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$317,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,936
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$26,743
−HK$820/mo
Today · 4.125%
HK$27,563
baseline
▲ 0.50% · 4.625%
HK$29,240
+HK$1,677/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$55,126/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$317,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,854
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$29,628
−HK$785/mo
Today · 4.125%
HK$30,413
baseline
▲ 0.50% · 4.625%
HK$32,016
+HK$1,603/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$60,826/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$317,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,259
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$31,200
−HK$956/mo
Today · 4.125%
HK$32,156
baseline
▲ 0.50% · 4.625%
HK$34,113
+HK$1,957/mo
Deposit HK$2.84M · loan HK$6.63M · min. income ≈ HK$64,312/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$317,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,663
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$34,565
−HK$916/mo
Today · 4.125%
HK$35,481
baseline
▲ 0.50% · 4.625%
HK$37,352
+HK$1,871/mo
Deposit HK$2.84M · loan HK$6.63M · min. income ≈ HK$70,962/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$317,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,904
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$40,114
−HK$1,230/mo
Today · 4.125%
HK$41,344
baseline
▲ 0.50% · 4.625%
HK$43,860
+HK$2,516/mo
Deposit HK$948K · loan HK$8.53M · min. income ≈ HK$82,688/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$317,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,281
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$44,441
−HK$1,178/mo
Today · 4.125%
HK$45,619
baseline
▲ 0.50% · 4.625%
HK$48,024
+HK$2,405/mo
Deposit HK$948K · loan HK$8.53M · min. income ≈ HK$91,238/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$317,853 · 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).