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$21,554
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$22,225
−HK$681/mo
Today · 4.125%
HK$22,906
baseline
▲ 0.50% · 4.625%
HK$24,300
+HK$1,394/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$45,812/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$315,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,979
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$24,622
−HK$652/mo
Today · 4.125%
HK$25,274
baseline
▲ 0.50% · 4.625%
HK$26,607
+HK$1,333/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$50,548/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$315,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,865
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$26,670
−HK$817/mo
Today · 4.125%
HK$27,487
baseline
▲ 0.50% · 4.625%
HK$29,159
+HK$1,672/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$54,974/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$315,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,775
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$29,546
−HK$783/mo
Today · 4.125%
HK$30,329
baseline
▲ 0.50% · 4.625%
HK$31,928
+HK$1,599/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$60,658/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$315,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,176
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$31,114
−HK$954/mo
Today · 4.125%
HK$32,068
baseline
▲ 0.50% · 4.625%
HK$34,019
+HK$1,951/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$64,136/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$315,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,570
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$34,471
−HK$913/mo
Today · 4.125%
HK$35,384
baseline
▲ 0.50% · 4.625%
HK$37,249
+HK$1,865/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$70,768/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$315,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,798
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$40,004
−HK$1,226/mo
Today · 4.125%
HK$41,230
baseline
▲ 0.50% · 4.625%
HK$43,739
+HK$2,509/mo
Deposit HK$945K · loan HK$8.51M · min. income ≈ HK$82,460/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$315,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,162
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$44,319
−HK$1,175/mo
Today · 4.125%
HK$45,494
baseline
▲ 0.50% · 4.625%
HK$47,892
+HK$2,398/mo
Deposit HK$945K · loan HK$8.51M · min. income ≈ HK$90,988/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$315,252 · 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).