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$21,570
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$22,241
−HK$681/mo
Today · 4.125%
HK$22,922
baseline
▲ 0.50% · 4.625%
HK$24,317
+HK$1,395/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$45,844/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$315,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,996
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$24,640
−HK$652/mo
Today · 4.125%
HK$25,292
baseline
▲ 0.50% · 4.625%
HK$26,626
+HK$1,334/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$50,584/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$315,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,884
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$26,689
−HK$818/mo
Today · 4.125%
HK$27,507
baseline
▲ 0.50% · 4.625%
HK$29,180
+HK$1,673/mo
Deposit HK$3.78M · loan HK$5.68M · min. income ≈ HK$55,014/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$315,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,795
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$29,568
−HK$783/mo
Today · 4.125%
HK$30,351
baseline
▲ 0.50% · 4.625%
HK$31,951
+HK$1,600/mo
Deposit HK$3.78M · loan HK$5.68M · min. income ≈ HK$60,702/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$315,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,198
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$31,137
−HK$954/mo
Today · 4.125%
HK$32,091
baseline
▲ 0.50% · 4.625%
HK$34,044
+HK$1,953/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$64,182/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$315,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,594
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$34,495
−HK$914/mo
Today · 4.125%
HK$35,409
baseline
▲ 0.50% · 4.625%
HK$37,276
+HK$1,867/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$70,818/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$315,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,825
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$40,033
−HK$1,227/mo
Today · 4.125%
HK$41,260
baseline
▲ 0.50% · 4.625%
HK$43,771
+HK$2,511/mo
Deposit HK$946K · loan HK$8.51M · min. income ≈ HK$82,520/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$315,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,193
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$44,351
−HK$1,175/mo
Today · 4.125%
HK$45,526
baseline
▲ 0.50% · 4.625%
HK$47,926
+HK$2,400/mo
Deposit HK$946K · loan HK$8.51M · min. income ≈ HK$91,052/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$315,932 · 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).