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$21,608
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$22,281
−HK$682/mo
Today · 4.125%
HK$22,963
baseline
▲ 0.50% · 4.625%
HK$24,361
+HK$1,398/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$45,926/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$317,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,039
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$24,684
−HK$654/mo
Today · 4.125%
HK$25,338
baseline
▲ 0.50% · 4.625%
HK$26,674
+HK$1,336/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$50,676/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$317,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,930
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$26,737
−HK$819/mo
Today · 4.125%
HK$27,556
baseline
▲ 0.50% · 4.625%
HK$29,233
+HK$1,677/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$55,112/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$317,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,847
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$29,621
−HK$784/mo
Today · 4.125%
HK$30,405
baseline
▲ 0.50% · 4.625%
HK$32,008
+HK$1,603/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$60,810/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$317,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,252
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$31,193
−HK$956/mo
Today · 4.125%
HK$32,149
baseline
▲ 0.50% · 4.625%
HK$34,105
+HK$1,956/mo
Deposit HK$2.84M · loan HK$6.63M · min. income ≈ HK$64,298/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$317,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,655
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$34,557
−HK$916/mo
Today · 4.125%
HK$35,473
baseline
▲ 0.50% · 4.625%
HK$37,343
+HK$1,870/mo
Deposit HK$2.84M · loan HK$6.63M · min. income ≈ HK$70,946/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$317,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,895
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$40,105
−HK$1,229/mo
Today · 4.125%
HK$41,334
baseline
▲ 0.50% · 4.625%
HK$43,849
+HK$2,515/mo
Deposit HK$948K · loan HK$8.53M · min. income ≈ HK$82,668/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$317,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,270
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$44,431
−HK$1,177/mo
Today · 4.125%
HK$45,608
baseline
▲ 0.50% · 4.625%
HK$48,012
+HK$2,404/mo
Deposit HK$948K · loan HK$8.53M · min. income ≈ HK$91,216/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$317,632 · 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).