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$21,618
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,290
−HK$684/mo
Today · 4.125%
HK$22,974
baseline
▲ 0.50% · 4.625%
HK$24,371
+HK$1,397/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$45,948/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,050
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$24,695
−HK$654/mo
Today · 4.125%
HK$25,349
baseline
▲ 0.50% · 4.625%
HK$26,685
+HK$1,336/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$50,698/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,942
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$26,748
−HK$820/mo
Today · 4.125%
HK$27,568
baseline
▲ 0.50% · 4.625%
HK$29,246
+HK$1,678/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$55,136/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,860
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$29,634
−HK$785/mo
Today · 4.125%
HK$30,419
baseline
▲ 0.50% · 4.625%
HK$32,022
+HK$1,603/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$60,838/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,265
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$31,207
−HK$956/mo
Today · 4.125%
HK$32,163
baseline
▲ 0.50% · 4.625%
HK$34,120
+HK$1,957/mo
Deposit HK$2.84M · loan HK$6.64M · min. income ≈ HK$64,326/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$318,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,670
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$34,573
−HK$916/mo
Today · 4.125%
HK$35,489
baseline
▲ 0.50% · 4.625%
HK$37,359
+HK$1,870/mo
Deposit HK$2.84M · loan HK$6.64M · min. income ≈ HK$70,978/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$318,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,912
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$40,123
−HK$1,229/mo
Today · 4.125%
HK$41,352
baseline
▲ 0.50% · 4.625%
HK$43,869
+HK$2,517/mo
Deposit HK$948K · loan HK$8.53M · min. income ≈ HK$82,704/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,290
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$44,451
−HK$1,177/mo
Today · 4.125%
HK$45,628
baseline
▲ 0.50% · 4.625%
HK$48,033
+HK$2,405/mo
Deposit HK$948K · loan HK$8.53M · min. income ≈ HK$91,256/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,049 · 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).