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$21,576
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$22,247
−HK$682/mo
Today · 4.125%
HK$22,929
baseline
▲ 0.50% · 4.625%
HK$24,324
+HK$1,395/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$45,858/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$316,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,003
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$24,647
−HK$653/mo
Today · 4.125%
HK$25,300
baseline
▲ 0.50% · 4.625%
HK$26,634
+HK$1,334/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$50,600/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$316,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,891
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$26,697
−HK$818/mo
Today · 4.125%
HK$27,515
baseline
▲ 0.50% · 4.625%
HK$29,189
+HK$1,674/mo
Deposit HK$3.78M · loan HK$5.68M · min. income ≈ HK$55,030/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$316,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,804
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$29,576
−HK$784/mo
Today · 4.125%
HK$30,360
baseline
▲ 0.50% · 4.625%
HK$31,960
+HK$1,600/mo
Deposit HK$3.78M · loan HK$5.68M · min. income ≈ HK$60,720/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$316,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,207
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$31,146
−HK$955/mo
Today · 4.125%
HK$32,101
baseline
▲ 0.50% · 4.625%
HK$34,054
+HK$1,953/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$64,202/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$316,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,605
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$34,506
−HK$914/mo
Today · 4.125%
HK$35,420
baseline
▲ 0.50% · 4.625%
HK$37,287
+HK$1,867/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$70,840/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$316,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,837
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$40,045
−HK$1,227/mo
Today · 4.125%
HK$41,272
baseline
▲ 0.50% · 4.625%
HK$43,784
+HK$2,512/mo
Deposit HK$946K · loan HK$8.52M · min. income ≈ HK$82,544/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$316,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,206
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$44,365
−HK$1,175/mo
Today · 4.125%
HK$45,540
baseline
▲ 0.50% · 4.625%
HK$47,941
+HK$2,401/mo
Deposit HK$946K · loan HK$8.52M · min. income ≈ HK$91,080/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$316,216 · 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).