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$21,553
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$22,224
−HK$681/mo
Today · 4.125%
HK$22,905
baseline
▲ 0.50% · 4.625%
HK$24,299
+HK$1,394/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$45,810/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$315,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,978
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$24,621
−HK$652/mo
Today · 4.125%
HK$25,273
baseline
▲ 0.50% · 4.625%
HK$26,605
+HK$1,332/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$50,546/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$315,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,864
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$26,668
−HK$818/mo
Today · 4.125%
HK$27,486
baseline
▲ 0.50% · 4.625%
HK$29,158
+HK$1,672/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$54,972/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$315,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,773
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$29,545
−HK$783/mo
Today · 4.125%
HK$30,328
baseline
▲ 0.50% · 4.625%
HK$31,926
+HK$1,598/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$60,656/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$315,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,175
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$31,113
−HK$954/mo
Today · 4.125%
HK$32,067
baseline
▲ 0.50% · 4.625%
HK$34,018
+HK$1,951/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$64,134/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$315,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,569
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$34,469
−HK$914/mo
Today · 4.125%
HK$35,383
baseline
▲ 0.50% · 4.625%
HK$37,248
+HK$1,865/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$70,766/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$315,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,796
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$40,003
−HK$1,226/mo
Today · 4.125%
HK$41,229
baseline
▲ 0.50% · 4.625%
HK$43,737
+HK$2,508/mo
Deposit HK$945K · loan HK$8.51M · min. income ≈ HK$82,458/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$315,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,160
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$44,318
−HK$1,174/mo
Today · 4.125%
HK$45,492
baseline
▲ 0.50% · 4.625%
HK$47,890
+HK$2,398/mo
Deposit HK$945K · loan HK$8.51M · min. income ≈ HK$90,984/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$315,212 · 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).