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$21,620
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,293
−HK$683/mo
Today · 4.125%
HK$22,976
baseline
▲ 0.50% · 4.625%
HK$24,374
+HK$1,398/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$45,952/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,052
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$24,697
−HK$655/mo
Today · 4.125%
HK$25,352
baseline
▲ 0.50% · 4.625%
HK$26,688
+HK$1,336/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$50,704/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,944
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$26,751
−HK$820/mo
Today · 4.125%
HK$27,571
baseline
▲ 0.50% · 4.625%
HK$29,249
+HK$1,678/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$55,142/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,863
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$29,637
−HK$785/mo
Today · 4.125%
HK$30,422
baseline
▲ 0.50% · 4.625%
HK$32,026
+HK$1,604/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$60,844/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,268
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$31,210
−HK$956/mo
Today · 4.125%
HK$32,166
baseline
▲ 0.50% · 4.625%
HK$34,124
+HK$1,958/mo
Deposit HK$2.84M · loan HK$6.64M · min. income ≈ HK$64,332/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$318,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,673
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$34,576
−HK$916/mo
Today · 4.125%
HK$35,492
baseline
▲ 0.50% · 4.625%
HK$37,363
+HK$1,871/mo
Deposit HK$2.84M · loan HK$6.64M · min. income ≈ HK$70,984/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$318,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,916
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$40,127
−HK$1,230/mo
Today · 4.125%
HK$41,357
baseline
▲ 0.50% · 4.625%
HK$43,873
+HK$2,516/mo
Deposit HK$948K · loan HK$8.53M · min. income ≈ HK$82,714/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,294
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$44,455
−HK$1,178/mo
Today · 4.125%
HK$45,633
baseline
▲ 0.50% · 4.625%
HK$48,038
+HK$2,405/mo
Deposit HK$948K · loan HK$8.53M · min. income ≈ HK$91,266/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,146 · 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).