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$21,610
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$22,282
−HK$683/mo
Today · 4.125%
HK$22,965
baseline
▲ 0.50% · 4.625%
HK$24,362
+HK$1,397/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$45,930/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$317,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,041
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$24,685
−HK$654/mo
Today · 4.125%
HK$25,339
baseline
▲ 0.50% · 4.625%
HK$26,675
+HK$1,336/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$50,678/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$317,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,932
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$26,738
−HK$820/mo
Today · 4.125%
HK$27,558
baseline
▲ 0.50% · 4.625%
HK$29,235
+HK$1,677/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$55,116/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$317,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,849
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$29,622
−HK$785/mo
Today · 4.125%
HK$30,407
baseline
▲ 0.50% · 4.625%
HK$32,010
+HK$1,603/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$60,814/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$317,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,254
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$31,195
−HK$956/mo
Today · 4.125%
HK$32,151
baseline
▲ 0.50% · 4.625%
HK$34,107
+HK$1,956/mo
Deposit HK$2.84M · loan HK$6.63M · min. income ≈ HK$64,302/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$317,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,657
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$34,559
−HK$916/mo
Today · 4.125%
HK$35,475
baseline
▲ 0.50% · 4.625%
HK$37,345
+HK$1,870/mo
Deposit HK$2.84M · loan HK$6.63M · min. income ≈ HK$70,950/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$317,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,897
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$40,107
−HK$1,230/mo
Today · 4.125%
HK$41,337
baseline
▲ 0.50% · 4.625%
HK$43,852
+HK$2,515/mo
Deposit HK$948K · loan HK$8.53M · min. income ≈ HK$82,674/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$317,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,273
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$44,434
−HK$1,177/mo
Today · 4.125%
HK$45,611
baseline
▲ 0.50% · 4.625%
HK$48,015
+HK$2,404/mo
Deposit HK$948K · loan HK$8.53M · min. income ≈ HK$91,222/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$317,688 · 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).