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$21,603
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$22,274
−HK$683/mo
Today · 4.125%
HK$22,957
baseline
▲ 0.50% · 4.625%
HK$24,354
+HK$1,397/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$45,914/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$317,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,033
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$24,677
−HK$654/mo
Today · 4.125%
HK$25,331
baseline
▲ 0.50% · 4.625%
HK$26,666
+HK$1,335/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$50,662/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$317,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,923
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$26,729
−HK$820/mo
Today · 4.125%
HK$27,549
baseline
▲ 0.50% · 4.625%
HK$29,225
+HK$1,676/mo
Deposit HK$3.79M · loan HK$5.68M · min. income ≈ HK$55,098/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$317,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,839
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$29,613
−HK$784/mo
Today · 4.125%
HK$30,397
baseline
▲ 0.50% · 4.625%
HK$31,999
+HK$1,602/mo
Deposit HK$3.79M · loan HK$5.68M · min. income ≈ HK$60,794/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$317,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,244
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$31,184
−HK$956/mo
Today · 4.125%
HK$32,140
baseline
▲ 0.50% · 4.625%
HK$34,096
+HK$1,956/mo
Deposit HK$2.84M · loan HK$6.63M · min. income ≈ HK$64,280/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$317,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,646
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$34,548
−HK$915/mo
Today · 4.125%
HK$35,463
baseline
▲ 0.50% · 4.625%
HK$37,333
+HK$1,870/mo
Deposit HK$2.84M · loan HK$6.63M · min. income ≈ HK$70,926/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$317,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,885
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$40,094
−HK$1,229/mo
Today · 4.125%
HK$41,323
baseline
▲ 0.50% · 4.625%
HK$43,837
+HK$2,514/mo
Deposit HK$947K · loan HK$8.53M · min. income ≈ HK$82,646/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$317,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,259
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$44,419
−HK$1,177/mo
Today · 4.125%
HK$45,596
baseline
▲ 0.50% · 4.625%
HK$47,999
+HK$2,403/mo
Deposit HK$947K · loan HK$8.53M · min. income ≈ HK$91,192/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$317,373 · 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).