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$21,556
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$22,227
−HK$681/mo
Today · 4.125%
HK$22,908
baseline
▲ 0.50% · 4.625%
HK$24,302
+HK$1,394/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$45,816/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$315,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,981
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$24,624
−HK$653/mo
Today · 4.125%
HK$25,277
baseline
▲ 0.50% · 4.625%
HK$26,609
+HK$1,332/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$50,554/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$315,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,867
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$26,672
−HK$818/mo
Today · 4.125%
HK$27,490
baseline
▲ 0.50% · 4.625%
HK$29,162
+HK$1,672/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$54,980/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$315,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,777
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$29,549
−HK$783/mo
Today · 4.125%
HK$30,332
baseline
▲ 0.50% · 4.625%
HK$31,931
+HK$1,599/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$60,664/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$315,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,179
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$31,117
−HK$954/mo
Today · 4.125%
HK$32,071
baseline
▲ 0.50% · 4.625%
HK$34,023
+HK$1,952/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$64,142/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$315,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,573
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$34,474
−HK$913/mo
Today · 4.125%
HK$35,387
baseline
▲ 0.50% · 4.625%
HK$37,253
+HK$1,866/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$70,774/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$315,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,801
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$40,008
−HK$1,226/mo
Today · 4.125%
HK$41,234
baseline
▲ 0.50% · 4.625%
HK$43,743
+HK$2,509/mo
Deposit HK$945K · loan HK$8.51M · min. income ≈ HK$82,468/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$315,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,166
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$44,324
−HK$1,174/mo
Today · 4.125%
HK$45,498
baseline
▲ 0.50% · 4.625%
HK$47,896
+HK$2,398/mo
Deposit HK$945K · loan HK$8.51M · min. income ≈ HK$90,996/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$315,340 · 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).