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$21,572
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$22,243
−HK$681/mo
Today · 4.125%
HK$22,924
baseline
▲ 0.50% · 4.625%
HK$24,319
+HK$1,395/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$45,848/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$316,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,998
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$24,642
−HK$653/mo
Today · 4.125%
HK$25,295
baseline
▲ 0.50% · 4.625%
HK$26,628
+HK$1,333/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$50,590/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$316,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,886
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$26,691
−HK$818/mo
Today · 4.125%
HK$27,509
baseline
▲ 0.50% · 4.625%
HK$29,183
+HK$1,674/mo
Deposit HK$3.78M · loan HK$5.68M · min. income ≈ HK$55,018/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$316,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,798
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$29,570
−HK$784/mo
Today · 4.125%
HK$30,354
baseline
▲ 0.50% · 4.625%
HK$31,954
+HK$1,600/mo
Deposit HK$3.78M · loan HK$5.68M · min. income ≈ HK$60,708/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$316,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,200
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$31,140
−HK$954/mo
Today · 4.125%
HK$32,094
baseline
▲ 0.50% · 4.625%
HK$34,047
+HK$1,953/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$64,188/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$316,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,598
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$34,499
−HK$914/mo
Today · 4.125%
HK$35,413
baseline
▲ 0.50% · 4.625%
HK$37,279
+HK$1,866/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$70,826/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$316,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,829
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$40,037
−HK$1,227/mo
Today · 4.125%
HK$41,264
baseline
▲ 0.50% · 4.625%
HK$43,775
+HK$2,511/mo
Deposit HK$946K · loan HK$8.51M · min. income ≈ HK$82,528/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$316,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,197
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$44,355
−HK$1,176/mo
Today · 4.125%
HK$45,531
baseline
▲ 0.50% · 4.625%
HK$47,931
+HK$2,400/mo
Deposit HK$946K · loan HK$8.51M · min. income ≈ HK$91,062/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$316,019 · 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).