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$21,621
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,293
−HK$684/mo
Today · 4.125%
HK$22,977
baseline
▲ 0.50% · 4.625%
HK$24,375
+HK$1,398/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$45,954/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,053
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$24,698
−HK$654/mo
Today · 4.125%
HK$25,352
baseline
▲ 0.50% · 4.625%
HK$26,689
+HK$1,337/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$50,704/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,945
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$26,752
−HK$820/mo
Today · 4.125%
HK$27,572
baseline
▲ 0.50% · 4.625%
HK$29,250
+HK$1,678/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$55,144/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,863
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$29,638
−HK$785/mo
Today · 4.125%
HK$30,423
baseline
▲ 0.50% · 4.625%
HK$32,027
+HK$1,604/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$60,846/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,269
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$31,211
−HK$956/mo
Today · 4.125%
HK$32,167
baseline
▲ 0.50% · 4.625%
HK$34,125
+HK$1,958/mo
Deposit HK$2.84M · loan HK$6.64M · min. income ≈ HK$64,334/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$318,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,674
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$34,577
−HK$916/mo
Today · 4.125%
HK$35,493
baseline
▲ 0.50% · 4.625%
HK$37,364
+HK$1,871/mo
Deposit HK$2.84M · loan HK$6.64M · min. income ≈ HK$70,986/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$318,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,917
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$40,128
−HK$1,230/mo
Today · 4.125%
HK$41,358
baseline
▲ 0.50% · 4.625%
HK$43,874
+HK$2,516/mo
Deposit HK$948K · loan HK$8.53M · min. income ≈ HK$82,716/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,295
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$44,456
−HK$1,178/mo
Today · 4.125%
HK$45,634
baseline
▲ 0.50% · 4.625%
HK$48,040
+HK$2,406/mo
Deposit HK$948K · loan HK$8.53M · min. income ≈ HK$91,268/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,174 · 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).