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$21,635
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,308
−HK$683/mo
Today · 4.125%
HK$22,991
baseline
▲ 0.50% · 4.625%
HK$24,390
+HK$1,399/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$45,982/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,068
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$24,714
−HK$655/mo
Today · 4.125%
HK$25,369
baseline
▲ 0.50% · 4.625%
HK$26,706
+HK$1,337/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$50,738/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,962
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$26,769
−HK$821/mo
Today · 4.125%
HK$27,590
baseline
▲ 0.50% · 4.625%
HK$29,268
+HK$1,678/mo
Deposit HK$3.80M · loan HK$5.69M · min. income ≈ HK$55,180/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,882
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$29,657
−HK$785/mo
Today · 4.125%
HK$30,442
baseline
▲ 0.50% · 4.625%
HK$32,047
+HK$1,605/mo
Deposit HK$3.80M · loan HK$5.69M · min. income ≈ HK$60,884/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,289
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$31,231
−HK$957/mo
Today · 4.125%
HK$32,188
baseline
▲ 0.50% · 4.625%
HK$34,147
+HK$1,959/mo
Deposit HK$2.85M · loan HK$6.64M · min. income ≈ HK$64,376/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$318,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,696
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$34,599
−HK$917/mo
Today · 4.125%
HK$35,516
baseline
▲ 0.50% · 4.625%
HK$37,388
+HK$1,872/mo
Deposit HK$2.85M · loan HK$6.64M · min. income ≈ HK$71,032/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$318,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,942
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$40,154
−HK$1,231/mo
Today · 4.125%
HK$41,385
baseline
▲ 0.50% · 4.625%
HK$43,903
+HK$2,518/mo
Deposit HK$949K · loan HK$8.54M · min. income ≈ HK$82,770/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,323
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$44,485
−HK$1,179/mo
Today · 4.125%
HK$45,664
baseline
▲ 0.50% · 4.625%
HK$48,071
+HK$2,407/mo
Deposit HK$949K · loan HK$8.54M · min. income ≈ HK$91,328/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,784 · 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).