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$21,605
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$22,277
−HK$683/mo
Today · 4.125%
HK$22,960
baseline
▲ 0.50% · 4.625%
HK$24,357
+HK$1,397/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$45,920/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$317,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,035
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$24,680
−HK$654/mo
Today · 4.125%
HK$25,334
baseline
▲ 0.50% · 4.625%
HK$26,669
+HK$1,335/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$50,668/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$317,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,926
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$26,732
−HK$820/mo
Today · 4.125%
HK$27,552
baseline
▲ 0.50% · 4.625%
HK$29,228
+HK$1,676/mo
Deposit HK$3.79M · loan HK$5.68M · min. income ≈ HK$55,104/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$317,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,842
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$29,616
−HK$785/mo
Today · 4.125%
HK$30,401
baseline
▲ 0.50% · 4.625%
HK$32,003
+HK$1,602/mo
Deposit HK$3.79M · loan HK$5.68M · min. income ≈ HK$60,802/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$317,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,247
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$31,188
−HK$956/mo
Today · 4.125%
HK$32,144
baseline
▲ 0.50% · 4.625%
HK$34,099
+HK$1,955/mo
Deposit HK$2.84M · loan HK$6.63M · min. income ≈ HK$64,288/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$317,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,649
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$34,552
−HK$915/mo
Today · 4.125%
HK$35,467
baseline
▲ 0.50% · 4.625%
HK$37,337
+HK$1,870/mo
Deposit HK$2.84M · loan HK$6.63M · min. income ≈ HK$70,934/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$317,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,889
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$40,098
−HK$1,230/mo
Today · 4.125%
HK$41,328
baseline
▲ 0.50% · 4.625%
HK$43,842
+HK$2,514/mo
Deposit HK$947K · loan HK$8.53M · min. income ≈ HK$82,656/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$317,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,263
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$44,424
−HK$1,177/mo
Today · 4.125%
HK$45,601
baseline
▲ 0.50% · 4.625%
HK$48,005
+HK$2,404/mo
Deposit HK$947K · loan HK$8.53M · min. income ≈ HK$91,202/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$317,477 · 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).