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$21,578
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$22,249
−HK$682/mo
Today · 4.125%
HK$22,931
baseline
▲ 0.50% · 4.625%
HK$24,327
+HK$1,396/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$45,862/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$316,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,006
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$24,649
−HK$654/mo
Today · 4.125%
HK$25,303
baseline
▲ 0.50% · 4.625%
HK$26,636
+HK$1,333/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$50,606/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$316,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,894
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$26,699
−HK$819/mo
Today · 4.125%
HK$27,518
baseline
▲ 0.50% · 4.625%
HK$29,192
+HK$1,674/mo
Deposit HK$3.79M · loan HK$5.68M · min. income ≈ HK$55,036/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$316,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,807
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$29,579
−HK$784/mo
Today · 4.125%
HK$30,363
baseline
▲ 0.50% · 4.625%
HK$31,964
+HK$1,601/mo
Deposit HK$3.79M · loan HK$5.68M · min. income ≈ HK$60,726/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$316,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,210
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$31,149
−HK$955/mo
Today · 4.125%
HK$32,104
baseline
▲ 0.50% · 4.625%
HK$34,057
+HK$1,953/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$64,208/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$316,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,608
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$34,509
−HK$915/mo
Today · 4.125%
HK$35,424
baseline
▲ 0.50% · 4.625%
HK$37,291
+HK$1,867/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$70,848/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$316,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,841
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$40,049
−HK$1,228/mo
Today · 4.125%
HK$41,277
baseline
▲ 0.50% · 4.625%
HK$43,788
+HK$2,511/mo
Deposit HK$946K · loan HK$8.52M · min. income ≈ HK$82,554/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$316,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,210
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$44,369
−HK$1,176/mo
Today · 4.125%
HK$45,545
baseline
▲ 0.50% · 4.625%
HK$47,945
+HK$2,400/mo
Deposit HK$946K · loan HK$8.52M · min. income ≈ HK$91,090/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$316,309 · 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).