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$21,637
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,310
−HK$683/mo
Today · 4.125%
HK$22,993
baseline
▲ 0.50% · 4.625%
HK$24,392
+HK$1,399/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$45,986/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,070
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$24,716
−HK$655/mo
Today · 4.125%
HK$25,371
baseline
▲ 0.50% · 4.625%
HK$26,708
+HK$1,337/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$50,742/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,964
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$26,771
−HK$821/mo
Today · 4.125%
HK$27,592
baseline
▲ 0.50% · 4.625%
HK$29,271
+HK$1,679/mo
Deposit HK$3.80M · loan HK$5.69M · min. income ≈ HK$55,184/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,884
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$29,659
−HK$786/mo
Today · 4.125%
HK$30,445
baseline
▲ 0.50% · 4.625%
HK$32,050
+HK$1,605/mo
Deposit HK$3.80M · loan HK$5.69M · min. income ≈ HK$60,890/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,291
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$31,233
−HK$958/mo
Today · 4.125%
HK$32,191
baseline
▲ 0.50% · 4.625%
HK$34,149
+HK$1,958/mo
Deposit HK$2.85M · loan HK$6.64M · min. income ≈ HK$64,382/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$318,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,699
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$34,602
−HK$917/mo
Today · 4.125%
HK$35,519
baseline
▲ 0.50% · 4.625%
HK$37,391
+HK$1,872/mo
Deposit HK$2.85M · loan HK$6.64M · min. income ≈ HK$71,038/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$318,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,946
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$40,157
−HK$1,231/mo
Today · 4.125%
HK$41,388
baseline
▲ 0.50% · 4.625%
HK$43,906
+HK$2,518/mo
Deposit HK$949K · loan HK$8.54M · min. income ≈ HK$82,776/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,327
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$44,489
−HK$1,179/mo
Today · 4.125%
HK$45,668
baseline
▲ 0.50% · 4.625%
HK$48,075
+HK$2,407/mo
Deposit HK$949K · loan HK$8.54M · min. income ≈ HK$91,336/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,863 · 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).