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$21,582
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$22,254
−HK$682/mo
Today · 4.125%
HK$22,936
baseline
▲ 0.50% · 4.625%
HK$24,331
+HK$1,395/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$45,872/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$316,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,010
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$24,654
−HK$653/mo
Today · 4.125%
HK$25,307
baseline
▲ 0.50% · 4.625%
HK$26,641
+HK$1,334/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$50,614/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$316,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,899
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$26,704
−HK$819/mo
Today · 4.125%
HK$27,523
baseline
▲ 0.50% · 4.625%
HK$29,197
+HK$1,674/mo
Deposit HK$3.79M · loan HK$5.68M · min. income ≈ HK$55,046/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$316,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,812
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$29,585
−HK$784/mo
Today · 4.125%
HK$30,369
baseline
▲ 0.50% · 4.625%
HK$31,969
+HK$1,600/mo
Deposit HK$3.79M · loan HK$5.68M · min. income ≈ HK$60,738/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$316,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,215
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$31,155
−HK$955/mo
Today · 4.125%
HK$32,110
baseline
▲ 0.50% · 4.625%
HK$34,064
+HK$1,954/mo
Deposit HK$2.84M · loan HK$6.63M · min. income ≈ HK$64,220/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$316,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,614
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$34,516
−HK$914/mo
Today · 4.125%
HK$35,430
baseline
▲ 0.50% · 4.625%
HK$37,298
+HK$1,868/mo
Deposit HK$2.84M · loan HK$6.63M · min. income ≈ HK$70,860/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$316,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,848
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$40,056
−HK$1,228/mo
Today · 4.125%
HK$41,284
baseline
▲ 0.50% · 4.625%
HK$43,796
+HK$2,512/mo
Deposit HK$946K · loan HK$8.52M · min. income ≈ HK$82,568/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$316,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,218
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$44,377
−HK$1,176/mo
Today · 4.125%
HK$45,553
baseline
▲ 0.50% · 4.625%
HK$47,954
+HK$2,401/mo
Deposit HK$946K · loan HK$8.52M · min. income ≈ HK$91,106/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$316,483 · 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).