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$21,598
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$22,270
−HK$682/mo
Today · 4.125%
HK$22,952
baseline
▲ 0.50% · 4.625%
HK$24,349
+HK$1,397/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$45,904/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$317,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,028
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$24,672
−HK$654/mo
Today · 4.125%
HK$25,326
baseline
▲ 0.50% · 4.625%
HK$26,661
+HK$1,335/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$50,652/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$317,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,918
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$26,724
−HK$819/mo
Today · 4.125%
HK$27,543
baseline
▲ 0.50% · 4.625%
HK$29,219
+HK$1,676/mo
Deposit HK$3.79M · loan HK$5.68M · min. income ≈ HK$55,086/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$317,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,833
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$29,606
−HK$785/mo
Today · 4.125%
HK$30,391
baseline
▲ 0.50% · 4.625%
HK$31,993
+HK$1,602/mo
Deposit HK$3.79M · loan HK$5.68M · min. income ≈ HK$60,782/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$317,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,237
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$31,178
−HK$955/mo
Today · 4.125%
HK$32,133
baseline
▲ 0.50% · 4.625%
HK$34,089
+HK$1,956/mo
Deposit HK$2.84M · loan HK$6.63M · min. income ≈ HK$64,266/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$317,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,639
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$34,541
−HK$915/mo
Today · 4.125%
HK$35,456
baseline
▲ 0.50% · 4.625%
HK$37,325
+HK$1,869/mo
Deposit HK$2.84M · loan HK$6.63M · min. income ≈ HK$70,912/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$317,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,877
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$40,086
−HK$1,228/mo
Today · 4.125%
HK$41,314
baseline
▲ 0.50% · 4.625%
HK$43,828
+HK$2,514/mo
Deposit HK$947K · loan HK$8.52M · min. income ≈ HK$82,628/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$317,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,250
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$44,410
−HK$1,176/mo
Today · 4.125%
HK$45,586
baseline
▲ 0.50% · 4.625%
HK$47,989
+HK$2,403/mo
Deposit HK$947K · loan HK$8.52M · min. income ≈ HK$91,172/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$317,179 · 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).