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$21,573
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$22,244
−HK$682/mo
Today · 4.125%
HK$22,926
baseline
▲ 0.50% · 4.625%
HK$24,321
+HK$1,395/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$45,852/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$316,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,000
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$24,644
−HK$653/mo
Today · 4.125%
HK$25,297
baseline
▲ 0.50% · 4.625%
HK$26,630
+HK$1,333/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$50,594/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$316,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,888
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$26,693
−HK$818/mo
Today · 4.125%
HK$27,511
baseline
▲ 0.50% · 4.625%
HK$29,185
+HK$1,674/mo
Deposit HK$3.78M · loan HK$5.68M · min. income ≈ HK$55,022/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$316,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,800
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$29,572
−HK$784/mo
Today · 4.125%
HK$30,356
baseline
▲ 0.50% · 4.625%
HK$31,956
+HK$1,600/mo
Deposit HK$3.78M · loan HK$5.68M · min. income ≈ HK$60,712/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$316,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,202
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$31,142
−HK$954/mo
Today · 4.125%
HK$32,096
baseline
▲ 0.50% · 4.625%
HK$34,049
+HK$1,953/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$64,192/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$316,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,600
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$34,501
−HK$914/mo
Today · 4.125%
HK$35,415
baseline
▲ 0.50% · 4.625%
HK$37,282
+HK$1,867/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$70,830/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$316,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,832
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$40,040
−HK$1,227/mo
Today · 4.125%
HK$41,267
baseline
▲ 0.50% · 4.625%
HK$43,778
+HK$2,511/mo
Deposit HK$946K · loan HK$8.51M · min. income ≈ HK$82,534/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$316,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,200
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$44,358
−HK$1,176/mo
Today · 4.125%
HK$45,534
baseline
▲ 0.50% · 4.625%
HK$47,934
+HK$2,400/mo
Deposit HK$946K · loan HK$8.51M · min. income ≈ HK$91,068/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$316,085 · 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).