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$21,610
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$22,282
−HK$683/mo
Today · 4.125%
HK$22,965
baseline
▲ 0.50% · 4.625%
HK$24,363
+HK$1,398/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$45,930/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$317,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,041
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$24,686
−HK$654/mo
Today · 4.125%
HK$25,340
baseline
▲ 0.50% · 4.625%
HK$26,676
+HK$1,336/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$50,680/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$317,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,932
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$26,739
−HK$820/mo
Today · 4.125%
HK$27,559
baseline
▲ 0.50% · 4.625%
HK$29,235
+HK$1,676/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$55,118/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$317,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,849
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$29,623
−HK$785/mo
Today · 4.125%
HK$30,408
baseline
▲ 0.50% · 4.625%
HK$32,011
+HK$1,603/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$60,816/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$317,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,254
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$31,195
−HK$957/mo
Today · 4.125%
HK$32,152
baseline
▲ 0.50% · 4.625%
HK$34,108
+HK$1,956/mo
Deposit HK$2.84M · loan HK$6.63M · min. income ≈ HK$64,304/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$317,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,658
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$34,560
−HK$916/mo
Today · 4.125%
HK$35,476
baseline
▲ 0.50% · 4.625%
HK$37,346
+HK$1,870/mo
Deposit HK$2.84M · loan HK$6.63M · min. income ≈ HK$70,952/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$317,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,899
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$40,108
−HK$1,230/mo
Today · 4.125%
HK$41,338
baseline
▲ 0.50% · 4.625%
HK$43,853
+HK$2,515/mo
Deposit HK$948K · loan HK$8.53M · min. income ≈ HK$82,676/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$317,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,274
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$44,435
−HK$1,177/mo
Today · 4.125%
HK$45,612
baseline
▲ 0.50% · 4.625%
HK$48,016
+HK$2,404/mo
Deposit HK$948K · loan HK$8.53M · min. income ≈ HK$91,224/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$317,713 · 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).