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$21,551
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$22,221
−HK$681/mo
Today · 4.125%
HK$22,902
baseline
▲ 0.50% · 4.625%
HK$24,296
+HK$1,394/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$45,804/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$315,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,975
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$24,618
−HK$652/mo
Today · 4.125%
HK$25,270
baseline
▲ 0.50% · 4.625%
HK$26,602
+HK$1,332/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$50,540/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$315,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,861
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$26,665
−HK$818/mo
Today · 4.125%
HK$27,483
baseline
▲ 0.50% · 4.625%
HK$29,155
+HK$1,672/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$54,966/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$315,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,770
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$29,542
−HK$782/mo
Today · 4.125%
HK$30,324
baseline
▲ 0.50% · 4.625%
HK$31,923
+HK$1,599/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$60,648/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$315,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,171
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$31,110
−HK$953/mo
Today · 4.125%
HK$32,063
baseline
▲ 0.50% · 4.625%
HK$34,014
+HK$1,951/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$64,126/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$315,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,565
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$34,465
−HK$914/mo
Today · 4.125%
HK$35,379
baseline
▲ 0.50% · 4.625%
HK$37,243
+HK$1,864/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$70,758/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$315,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,791
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$39,998
−HK$1,226/mo
Today · 4.125%
HK$41,224
baseline
▲ 0.50% · 4.625%
HK$43,732
+HK$2,508/mo
Deposit HK$945K · loan HK$8.51M · min. income ≈ HK$82,448/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$315,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,155
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$44,313
−HK$1,174/mo
Today · 4.125%
HK$45,487
baseline
▲ 0.50% · 4.625%
HK$47,884
+HK$2,397/mo
Deposit HK$945K · loan HK$8.51M · min. income ≈ HK$90,974/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$315,105 · 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).