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$21,632
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,305
−HK$683/mo
Today · 4.125%
HK$22,988
baseline
▲ 0.50% · 4.625%
HK$24,387
+HK$1,399/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$45,976/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,065
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$24,711
−HK$654/mo
Today · 4.125%
HK$25,365
baseline
▲ 0.50% · 4.625%
HK$26,703
+HK$1,338/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$50,730/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,958
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$26,766
−HK$820/mo
Today · 4.125%
HK$27,586
baseline
▲ 0.50% · 4.625%
HK$29,265
+HK$1,679/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$55,172/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,878
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$29,653
−HK$786/mo
Today · 4.125%
HK$30,439
baseline
▲ 0.50% · 4.625%
HK$32,043
+HK$1,604/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$60,878/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,285
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$31,227
−HK$957/mo
Today · 4.125%
HK$32,184
baseline
▲ 0.50% · 4.625%
HK$34,142
+HK$1,958/mo
Deposit HK$2.85M · loan HK$6.64M · min. income ≈ HK$64,368/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$318,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,691
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$34,595
−HK$917/mo
Today · 4.125%
HK$35,512
baseline
▲ 0.50% · 4.625%
HK$37,384
+HK$1,872/mo
Deposit HK$2.85M · loan HK$6.64M · min. income ≈ HK$71,024/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$318,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,937
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$40,149
−HK$1,230/mo
Today · 4.125%
HK$41,379
baseline
▲ 0.50% · 4.625%
HK$43,897
+HK$2,518/mo
Deposit HK$949K · loan HK$8.54M · min. income ≈ HK$82,758/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,318
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$44,479
−HK$1,179/mo
Today · 4.125%
HK$45,658
baseline
▲ 0.50% · 4.625%
HK$48,065
+HK$2,407/mo
Deposit HK$949K · loan HK$8.54M · min. income ≈ HK$91,316/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,662 · 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).