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$21,607
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$22,279
−HK$682/mo
Today · 4.125%
HK$22,961
baseline
▲ 0.50% · 4.625%
HK$24,359
+HK$1,398/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$45,922/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$317,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,037
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$24,682
−HK$654/mo
Today · 4.125%
HK$25,336
baseline
▲ 0.50% · 4.625%
HK$26,671
+HK$1,335/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$50,672/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$317,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,928
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$26,734
−HK$820/mo
Today · 4.125%
HK$27,554
baseline
▲ 0.50% · 4.625%
HK$29,230
+HK$1,676/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$55,108/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$317,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,844
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$29,618
−HK$785/mo
Today · 4.125%
HK$30,403
baseline
▲ 0.50% · 4.625%
HK$32,005
+HK$1,602/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$60,806/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$317,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,249
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$31,190
−HK$956/mo
Today · 4.125%
HK$32,146
baseline
▲ 0.50% · 4.625%
HK$34,102
+HK$1,956/mo
Deposit HK$2.84M · loan HK$6.63M · min. income ≈ HK$64,292/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$317,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,652
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$34,554
−HK$916/mo
Today · 4.125%
HK$35,470
baseline
▲ 0.50% · 4.625%
HK$37,340
+HK$1,870/mo
Deposit HK$2.84M · loan HK$6.63M · min. income ≈ HK$70,940/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$317,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,892
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$40,102
−HK$1,229/mo
Today · 4.125%
HK$41,331
baseline
▲ 0.50% · 4.625%
HK$43,845
+HK$2,514/mo
Deposit HK$948K · loan HK$8.53M · min. income ≈ HK$82,662/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$317,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,267
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$44,427
−HK$1,177/mo
Today · 4.125%
HK$45,604
baseline
▲ 0.50% · 4.625%
HK$48,008
+HK$2,404/mo
Deposit HK$948K · loan HK$8.53M · min. income ≈ HK$91,208/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$317,549 · 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).