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$21,549
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$22,219
−HK$681/mo
Today · 4.125%
HK$22,900
baseline
▲ 0.50% · 4.625%
HK$24,294
+HK$1,394/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$45,800/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$315,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,973
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$24,616
−HK$652/mo
Today · 4.125%
HK$25,268
baseline
▲ 0.50% · 4.625%
HK$26,600
+HK$1,332/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$50,536/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$315,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,859
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$26,663
−HK$818/mo
Today · 4.125%
HK$27,481
baseline
▲ 0.50% · 4.625%
HK$29,153
+HK$1,672/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$54,962/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$315,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,768
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$29,539
−HK$783/mo
Today · 4.125%
HK$30,322
baseline
▲ 0.50% · 4.625%
HK$31,920
+HK$1,598/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$60,644/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$315,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,169
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$31,107
−HK$954/mo
Today · 4.125%
HK$32,061
baseline
▲ 0.50% · 4.625%
HK$34,011
+HK$1,950/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$64,122/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$315,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,562
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$34,463
−HK$913/mo
Today · 4.125%
HK$35,376
baseline
▲ 0.50% · 4.625%
HK$37,240
+HK$1,864/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$70,752/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$315,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,788
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$39,995
−HK$1,226/mo
Today · 4.125%
HK$41,221
baseline
▲ 0.50% · 4.625%
HK$43,729
+HK$2,508/mo
Deposit HK$945K · loan HK$8.51M · min. income ≈ HK$82,442/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$315,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,152
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$44,309
−HK$1,174/mo
Today · 4.125%
HK$45,483
baseline
▲ 0.50% · 4.625%
HK$47,881
+HK$2,398/mo
Deposit HK$945K · loan HK$8.51M · min. income ≈ HK$90,966/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$315,031 · 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).