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$21,583
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$22,255
−HK$682/mo
Today · 4.125%
HK$22,937
baseline
▲ 0.50% · 4.625%
HK$24,333
+HK$1,396/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$45,874/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$316,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,011
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$24,655
−HK$654/mo
Today · 4.125%
HK$25,309
baseline
▲ 0.50% · 4.625%
HK$26,643
+HK$1,334/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$50,618/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$316,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,900
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$26,706
−HK$818/mo
Today · 4.125%
HK$27,524
baseline
▲ 0.50% · 4.625%
HK$29,199
+HK$1,675/mo
Deposit HK$3.79M · loan HK$5.68M · min. income ≈ HK$55,048/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$316,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,814
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$29,586
−HK$784/mo
Today · 4.125%
HK$30,370
baseline
▲ 0.50% · 4.625%
HK$31,971
+HK$1,601/mo
Deposit HK$3.79M · loan HK$5.68M · min. income ≈ HK$60,740/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$316,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,217
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$31,157
−HK$955/mo
Today · 4.125%
HK$32,112
baseline
▲ 0.50% · 4.625%
HK$34,066
+HK$1,954/mo
Deposit HK$2.84M · loan HK$6.63M · min. income ≈ HK$64,224/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$316,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,616
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$34,518
−HK$914/mo
Today · 4.125%
HK$35,432
baseline
▲ 0.50% · 4.625%
HK$37,300
+HK$1,868/mo
Deposit HK$2.84M · loan HK$6.63M · min. income ≈ HK$70,864/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$316,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,850
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$40,059
−HK$1,227/mo
Today · 4.125%
HK$41,286
baseline
▲ 0.50% · 4.625%
HK$43,799
+HK$2,513/mo
Deposit HK$947K · loan HK$8.52M · min. income ≈ HK$82,572/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$316,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,220
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$44,380
−HK$1,176/mo
Today · 4.125%
HK$45,556
baseline
▲ 0.50% · 4.625%
HK$47,957
+HK$2,401/mo
Deposit HK$947K · loan HK$8.52M · min. income ≈ HK$91,112/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$316,537 · 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).