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$21,580
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$22,251
−HK$682/mo
Today · 4.125%
HK$22,933
baseline
▲ 0.50% · 4.625%
HK$24,329
+HK$1,396/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$45,866/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$316,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,008
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$24,652
−HK$653/mo
Today · 4.125%
HK$25,305
baseline
▲ 0.50% · 4.625%
HK$26,639
+HK$1,334/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$50,610/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$316,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,896
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$26,702
−HK$818/mo
Today · 4.125%
HK$27,520
baseline
▲ 0.50% · 4.625%
HK$29,195
+HK$1,675/mo
Deposit HK$3.79M · loan HK$5.68M · min. income ≈ HK$55,040/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$316,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,809
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$29,582
−HK$784/mo
Today · 4.125%
HK$30,366
baseline
▲ 0.50% · 4.625%
HK$31,966
+HK$1,600/mo
Deposit HK$3.79M · loan HK$5.68M · min. income ≈ HK$60,732/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$316,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,212
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$31,152
−HK$955/mo
Today · 4.125%
HK$32,107
baseline
▲ 0.50% · 4.625%
HK$34,060
+HK$1,953/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$64,214/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$316,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,611
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$34,512
−HK$915/mo
Today · 4.125%
HK$35,427
baseline
▲ 0.50% · 4.625%
HK$37,294
+HK$1,867/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$70,854/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$316,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,844
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$40,052
−HK$1,228/mo
Today · 4.125%
HK$41,280
baseline
▲ 0.50% · 4.625%
HK$43,792
+HK$2,512/mo
Deposit HK$946K · loan HK$8.52M · min. income ≈ HK$82,560/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$316,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,214
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$44,373
−HK$1,175/mo
Today · 4.125%
HK$45,548
baseline
▲ 0.50% · 4.625%
HK$47,949
+HK$2,401/mo
Deposit HK$946K · loan HK$8.52M · min. income ≈ HK$91,096/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$316,389 · 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).