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$21,589
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$22,260
−HK$682/mo
Today · 4.125%
HK$22,942
baseline
▲ 0.50% · 4.625%
HK$24,338
+HK$1,396/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$45,884/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$316,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,017
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$24,661
−HK$654/mo
Today · 4.125%
HK$25,315
baseline
▲ 0.50% · 4.625%
HK$26,649
+HK$1,334/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$50,630/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$316,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,906
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$26,712
−HK$819/mo
Today · 4.125%
HK$27,531
baseline
▲ 0.50% · 4.625%
HK$29,206
+HK$1,675/mo
Deposit HK$3.79M · loan HK$5.68M · min. income ≈ HK$55,062/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$316,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,821
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$29,594
−HK$784/mo
Today · 4.125%
HK$30,378
baseline
▲ 0.50% · 4.625%
HK$31,979
+HK$1,601/mo
Deposit HK$3.79M · loan HK$5.68M · min. income ≈ HK$60,756/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$316,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,224
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$31,164
−HK$955/mo
Today · 4.125%
HK$32,119
baseline
▲ 0.50% · 4.625%
HK$34,074
+HK$1,955/mo
Deposit HK$2.84M · loan HK$6.63M · min. income ≈ HK$64,238/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$316,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,624
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$34,526
−HK$915/mo
Today · 4.125%
HK$35,441
baseline
▲ 0.50% · 4.625%
HK$37,309
+HK$1,868/mo
Deposit HK$2.84M · loan HK$6.63M · min. income ≈ HK$70,882/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$316,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,860
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$40,068
−HK$1,228/mo
Today · 4.125%
HK$41,296
baseline
▲ 0.50% · 4.625%
HK$43,809
+HK$2,513/mo
Deposit HK$947K · loan HK$8.52M · min. income ≈ HK$82,592/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$316,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,231
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$44,390
−HK$1,177/mo
Today · 4.125%
HK$45,567
baseline
▲ 0.50% · 4.625%
HK$47,968
+HK$2,401/mo
Deposit HK$947K · loan HK$8.52M · min. income ≈ HK$91,134/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$316,765 · 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).