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$21,621
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,294
−HK$683/mo
Today · 4.125%
HK$22,977
baseline
▲ 0.50% · 4.625%
HK$24,375
+HK$1,398/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$45,954/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,053
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$24,698
−HK$655/mo
Today · 4.125%
HK$25,353
baseline
▲ 0.50% · 4.625%
HK$26,689
+HK$1,336/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$50,706/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,945
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$26,752
−HK$820/mo
Today · 4.125%
HK$27,572
baseline
▲ 0.50% · 4.625%
HK$29,250
+HK$1,678/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$55,144/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,864
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$29,638
−HK$785/mo
Today · 4.125%
HK$30,423
baseline
▲ 0.50% · 4.625%
HK$32,027
+HK$1,604/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$60,846/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,269
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$31,211
−HK$957/mo
Today · 4.125%
HK$32,168
baseline
▲ 0.50% · 4.625%
HK$34,125
+HK$1,957/mo
Deposit HK$2.84M · loan HK$6.64M · min. income ≈ HK$64,336/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$318,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,674
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$34,578
−HK$916/mo
Today · 4.125%
HK$35,494
baseline
▲ 0.50% · 4.625%
HK$37,365
+HK$1,871/mo
Deposit HK$2.84M · loan HK$6.64M · min. income ≈ HK$70,988/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$318,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,918
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$40,128
−HK$1,230/mo
Today · 4.125%
HK$41,358
baseline
▲ 0.50% · 4.625%
HK$43,875
+HK$2,517/mo
Deposit HK$948K · loan HK$8.53M · min. income ≈ HK$82,716/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,296
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$44,457
−HK$1,178/mo
Today · 4.125%
HK$45,635
baseline
▲ 0.50% · 4.625%
HK$48,040
+HK$2,405/mo
Deposit HK$948K · loan HK$8.53M · min. income ≈ HK$91,270/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,182 · 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).