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$21,634
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,307
−HK$683/mo
Today · 4.125%
HK$22,990
baseline
▲ 0.50% · 4.625%
HK$24,389
+HK$1,399/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$45,980/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,067
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$24,713
−HK$654/mo
Today · 4.125%
HK$25,367
baseline
▲ 0.50% · 4.625%
HK$26,705
+HK$1,338/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$50,734/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,960
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$26,768
−HK$820/mo
Today · 4.125%
HK$27,588
baseline
▲ 0.50% · 4.625%
HK$29,267
+HK$1,679/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$55,176/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,881
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$29,655
−HK$786/mo
Today · 4.125%
HK$30,441
baseline
▲ 0.50% · 4.625%
HK$32,046
+HK$1,605/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$60,882/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,287
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$31,229
−HK$957/mo
Today · 4.125%
HK$32,186
baseline
▲ 0.50% · 4.625%
HK$34,145
+HK$1,959/mo
Deposit HK$2.85M · loan HK$6.64M · min. income ≈ HK$64,372/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$318,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,694
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$34,598
−HK$916/mo
Today · 4.125%
HK$35,514
baseline
▲ 0.50% · 4.625%
HK$37,386
+HK$1,872/mo
Deposit HK$2.85M · loan HK$6.64M · min. income ≈ HK$71,028/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$318,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,941
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$40,152
−HK$1,230/mo
Today · 4.125%
HK$41,382
baseline
▲ 0.50% · 4.625%
HK$43,900
+HK$2,518/mo
Deposit HK$949K · loan HK$8.54M · min. income ≈ HK$82,764/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,321
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$44,483
−HK$1,178/mo
Today · 4.125%
HK$45,661
baseline
▲ 0.50% · 4.625%
HK$48,068
+HK$2,407/mo
Deposit HK$949K · loan HK$8.54M · min. income ≈ HK$91,322/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,737 · 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).