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$21,586
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$22,258
−HK$682/mo
Today · 4.125%
HK$22,940
baseline
▲ 0.50% · 4.625%
HK$24,336
+HK$1,396/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$45,880/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$316,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,015
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$24,659
−HK$653/mo
Today · 4.125%
HK$25,312
baseline
▲ 0.50% · 4.625%
HK$26,646
+HK$1,334/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$50,624/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$316,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,904
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$26,710
−HK$818/mo
Today · 4.125%
HK$27,528
baseline
▲ 0.50% · 4.625%
HK$29,203
+HK$1,675/mo
Deposit HK$3.79M · loan HK$5.68M · min. income ≈ HK$55,056/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$316,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,818
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$29,591
−HK$784/mo
Today · 4.125%
HK$30,375
baseline
▲ 0.50% · 4.625%
HK$31,976
+HK$1,601/mo
Deposit HK$3.79M · loan HK$5.68M · min. income ≈ HK$60,750/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$316,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,221
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$31,161
−HK$955/mo
Today · 4.125%
HK$32,116
baseline
▲ 0.50% · 4.625%
HK$34,070
+HK$1,954/mo
Deposit HK$2.84M · loan HK$6.63M · min. income ≈ HK$64,232/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$316,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,621
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$34,522
−HK$915/mo
Today · 4.125%
HK$35,437
baseline
▲ 0.50% · 4.625%
HK$37,305
+HK$1,868/mo
Deposit HK$2.84M · loan HK$6.63M · min. income ≈ HK$70,874/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$316,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,856
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$40,064
−HK$1,228/mo
Today · 4.125%
HK$41,292
baseline
▲ 0.50% · 4.625%
HK$43,805
+HK$2,513/mo
Deposit HK$947K · loan HK$8.52M · min. income ≈ HK$82,584/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$316,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,227
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$44,386
−HK$1,176/mo
Today · 4.125%
HK$45,562
baseline
▲ 0.50% · 4.625%
HK$47,964
+HK$2,402/mo
Deposit HK$947K · loan HK$8.52M · min. income ≈ HK$91,124/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$316,670 · 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).