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$21,598
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$22,269
−HK$683/mo
Today · 4.125%
HK$22,952
baseline
▲ 0.50% · 4.625%
HK$24,348
+HK$1,396/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$45,904/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$317,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,027
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$24,671
−HK$654/mo
Today · 4.125%
HK$25,325
baseline
▲ 0.50% · 4.625%
HK$26,660
+HK$1,335/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$50,650/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$317,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,917
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$26,723
−HK$819/mo
Today · 4.125%
HK$27,542
baseline
▲ 0.50% · 4.625%
HK$29,218
+HK$1,676/mo
Deposit HK$3.79M · loan HK$5.68M · min. income ≈ HK$55,084/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$317,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,832
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$29,606
−HK$784/mo
Today · 4.125%
HK$30,390
baseline
▲ 0.50% · 4.625%
HK$31,992
+HK$1,602/mo
Deposit HK$3.79M · loan HK$5.68M · min. income ≈ HK$60,780/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$317,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,237
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$31,177
−HK$956/mo
Today · 4.125%
HK$32,133
baseline
▲ 0.50% · 4.625%
HK$34,088
+HK$1,955/mo
Deposit HK$2.84M · loan HK$6.63M · min. income ≈ HK$64,266/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$317,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,638
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$34,540
−HK$915/mo
Today · 4.125%
HK$35,455
baseline
▲ 0.50% · 4.625%
HK$37,324
+HK$1,869/mo
Deposit HK$2.84M · loan HK$6.63M · min. income ≈ HK$70,910/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$317,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,876
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$40,085
−HK$1,228/mo
Today · 4.125%
HK$41,313
baseline
▲ 0.50% · 4.625%
HK$43,827
+HK$2,514/mo
Deposit HK$947K · loan HK$8.52M · min. income ≈ HK$82,626/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$317,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,249
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$44,409
−HK$1,176/mo
Today · 4.125%
HK$45,585
baseline
▲ 0.50% · 4.625%
HK$47,988
+HK$2,403/mo
Deposit HK$947K · loan HK$8.52M · min. income ≈ HK$91,170/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$317,155 · 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).