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$21,626
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,299
−HK$683/mo
Today · 4.125%
HK$22,982
baseline
▲ 0.50% · 4.625%
HK$24,381
+HK$1,399/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$45,964/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,059
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$24,704
−HK$655/mo
Today · 4.125%
HK$25,359
baseline
▲ 0.50% · 4.625%
HK$26,696
+HK$1,337/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$50,718/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,951
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$26,759
−HK$820/mo
Today · 4.125%
HK$27,579
baseline
▲ 0.50% · 4.625%
HK$29,257
+HK$1,678/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$55,158/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,871
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$29,645
−HK$786/mo
Today · 4.125%
HK$30,431
baseline
▲ 0.50% · 4.625%
HK$32,035
+HK$1,604/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$60,862/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,277
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$31,219
−HK$956/mo
Today · 4.125%
HK$32,175
baseline
▲ 0.50% · 4.625%
HK$34,133
+HK$1,958/mo
Deposit HK$2.85M · loan HK$6.64M · min. income ≈ HK$64,350/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$318,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,683
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$34,586
−HK$916/mo
Today · 4.125%
HK$35,502
baseline
▲ 0.50% · 4.625%
HK$37,374
+HK$1,872/mo
Deposit HK$2.85M · loan HK$6.64M · min. income ≈ HK$71,004/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$318,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,927
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$40,138
−HK$1,230/mo
Today · 4.125%
HK$41,368
baseline
▲ 0.50% · 4.625%
HK$43,885
+HK$2,517/mo
Deposit HK$948K · loan HK$8.54M · min. income ≈ HK$82,736/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,306
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$44,468
−HK$1,178/mo
Today · 4.125%
HK$45,646
baseline
▲ 0.50% · 4.625%
HK$48,052
+HK$2,406/mo
Deposit HK$948K · loan HK$8.54M · min. income ≈ HK$91,292/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,413 · 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).