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$21,576
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$22,247
−HK$681/mo
Today · 4.125%
HK$22,928
baseline
▲ 0.50% · 4.625%
HK$24,324
+HK$1,396/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$45,856/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$316,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,003
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$24,646
−HK$653/mo
Today · 4.125%
HK$25,299
baseline
▲ 0.50% · 4.625%
HK$26,633
+HK$1,334/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$50,598/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$316,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,891
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$26,696
−HK$818/mo
Today · 4.125%
HK$27,514
baseline
▲ 0.50% · 4.625%
HK$29,188
+HK$1,674/mo
Deposit HK$3.78M · loan HK$5.68M · min. income ≈ HK$55,028/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$316,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,803
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$29,576
−HK$783/mo
Today · 4.125%
HK$30,359
baseline
▲ 0.50% · 4.625%
HK$31,959
+HK$1,600/mo
Deposit HK$3.78M · loan HK$5.68M · min. income ≈ HK$60,718/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$316,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,206
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$31,145
−HK$955/mo
Today · 4.125%
HK$32,100
baseline
▲ 0.50% · 4.625%
HK$34,053
+HK$1,953/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$64,200/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$316,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,604
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$34,505
−HK$914/mo
Today · 4.125%
HK$35,419
baseline
▲ 0.50% · 4.625%
HK$37,286
+HK$1,867/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$70,838/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$316,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,836
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$40,044
−HK$1,227/mo
Today · 4.125%
HK$41,271
baseline
▲ 0.50% · 4.625%
HK$43,783
+HK$2,512/mo
Deposit HK$946K · loan HK$8.52M · min. income ≈ HK$82,542/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$316,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,205
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$44,363
−HK$1,176/mo
Today · 4.125%
HK$45,539
baseline
▲ 0.50% · 4.625%
HK$47,939
+HK$2,400/mo
Deposit HK$946K · loan HK$8.52M · min. income ≈ HK$91,078/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$316,189 · 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).