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$21,550
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$22,221
−HK$681/mo
Today · 4.125%
HK$22,902
baseline
▲ 0.50% · 4.625%
HK$24,295
+HK$1,393/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$315,088 · 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$315,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,860
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$26,665
−HK$817/mo
Today · 4.125%
HK$27,482
baseline
▲ 0.50% · 4.625%
HK$29,154
+HK$1,672/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$54,964/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$315,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,770
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$29,541
−HK$783/mo
Today · 4.125%
HK$30,324
baseline
▲ 0.50% · 4.625%
HK$31,922
+HK$1,598/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$315,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,171
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$31,109
−HK$954/mo
Today · 4.125%
HK$32,063
baseline
▲ 0.50% · 4.625%
HK$34,013
+HK$1,950/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$315,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,564
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$34,465
−HK$913/mo
Today · 4.125%
HK$35,378
baseline
▲ 0.50% · 4.625%
HK$37,243
+HK$1,865/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$70,756/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$315,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,791
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$39,997
−HK$1,226/mo
Today · 4.125%
HK$41,223
baseline
▲ 0.50% · 4.625%
HK$43,732
+HK$2,509/mo
Deposit HK$945K · loan HK$8.51M · min. income ≈ HK$82,446/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$315,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,154
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$44,312
−HK$1,174/mo
Today · 4.125%
HK$45,486
baseline
▲ 0.50% · 4.625%
HK$47,883
+HK$2,397/mo
Deposit HK$945K · loan HK$8.51M · min. income ≈ HK$90,972/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$315,088 · 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).