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$21,587
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$22,258
−HK$682/mo
Today · 4.125%
HK$22,940
baseline
▲ 0.50% · 4.625%
HK$24,336
+HK$1,396/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$45,880/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$316,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,015
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$24,659
−HK$654/mo
Today · 4.125%
HK$25,313
baseline
▲ 0.50% · 4.625%
HK$26,647
+HK$1,334/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$50,626/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$316,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,904
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$26,710
−HK$819/mo
Today · 4.125%
HK$27,529
baseline
▲ 0.50% · 4.625%
HK$29,204
+HK$1,675/mo
Deposit HK$3.79M · loan HK$5.68M · min. income ≈ HK$55,058/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$316,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,818
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$29,591
−HK$784/mo
Today · 4.125%
HK$30,375
baseline
▲ 0.50% · 4.625%
HK$31,976
+HK$1,601/mo
Deposit HK$3.79M · loan HK$5.68M · min. income ≈ HK$60,750/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$316,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,222
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$31,162
−HK$955/mo
Today · 4.125%
HK$32,117
baseline
▲ 0.50% · 4.625%
HK$34,071
+HK$1,954/mo
Deposit HK$2.84M · loan HK$6.63M · min. income ≈ HK$64,234/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$316,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,621
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$34,523
−HK$915/mo
Today · 4.125%
HK$35,438
baseline
▲ 0.50% · 4.625%
HK$37,306
+HK$1,868/mo
Deposit HK$2.84M · loan HK$6.63M · min. income ≈ HK$70,876/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$316,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,856
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$40,065
−HK$1,228/mo
Today · 4.125%
HK$41,293
baseline
▲ 0.50% · 4.625%
HK$43,805
+HK$2,512/mo
Deposit HK$947K · loan HK$8.52M · min. income ≈ HK$82,586/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$316,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,227
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$44,387
−HK$1,176/mo
Today · 4.125%
HK$45,563
baseline
▲ 0.50% · 4.625%
HK$47,964
+HK$2,401/mo
Deposit HK$947K · loan HK$8.52M · min. income ≈ HK$91,126/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$316,684 · 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).