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$21,625
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,298
−HK$683/mo
Today · 4.125%
HK$22,981
baseline
▲ 0.50% · 4.625%
HK$24,380
+HK$1,399/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$45,962/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,058
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$24,703
−HK$655/mo
Today · 4.125%
HK$25,358
baseline
▲ 0.50% · 4.625%
HK$26,694
+HK$1,336/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$50,716/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,950
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$26,757
−HK$820/mo
Today · 4.125%
HK$27,577
baseline
▲ 0.50% · 4.625%
HK$29,255
+HK$1,678/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$55,154/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,869
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$29,644
−HK$785/mo
Today · 4.125%
HK$30,429
baseline
▲ 0.50% · 4.625%
HK$32,033
+HK$1,604/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$60,858/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,275
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$31,217
−HK$957/mo
Today · 4.125%
HK$32,174
baseline
▲ 0.50% · 4.625%
HK$34,131
+HK$1,957/mo
Deposit HK$2.85M · loan HK$6.64M · min. income ≈ HK$64,348/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$318,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,681
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$34,584
−HK$917/mo
Today · 4.125%
HK$35,501
baseline
▲ 0.50% · 4.625%
HK$37,372
+HK$1,871/mo
Deposit HK$2.85M · loan HK$6.64M · min. income ≈ HK$71,002/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$318,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,925
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$40,136
−HK$1,230/mo
Today · 4.125%
HK$41,366
baseline
▲ 0.50% · 4.625%
HK$43,883
+HK$2,517/mo
Deposit HK$948K · loan HK$8.54M · min. income ≈ HK$82,732/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,304
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$44,465
−HK$1,179/mo
Today · 4.125%
HK$45,644
baseline
▲ 0.50% · 4.625%
HK$48,049
+HK$2,405/mo
Deposit HK$948K · loan HK$8.54M · min. income ≈ HK$91,288/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,365 · 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).