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$21,636
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,309
−HK$683/mo
Today · 4.125%
HK$22,992
baseline
▲ 0.50% · 4.625%
HK$24,391
+HK$1,399/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$45,984/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,069
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$24,715
−HK$655/mo
Today · 4.125%
HK$25,370
baseline
▲ 0.50% · 4.625%
HK$26,707
+HK$1,337/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$50,740/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,963
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$26,770
−HK$821/mo
Today · 4.125%
HK$27,591
baseline
▲ 0.50% · 4.625%
HK$29,270
+HK$1,679/mo
Deposit HK$3.80M · loan HK$5.69M · min. income ≈ HK$55,182/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,883
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$29,658
−HK$786/mo
Today · 4.125%
HK$30,444
baseline
▲ 0.50% · 4.625%
HK$32,048
+HK$1,604/mo
Deposit HK$3.80M · loan HK$5.69M · min. income ≈ HK$60,888/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,290
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$31,232
−HK$957/mo
Today · 4.125%
HK$32,189
baseline
▲ 0.50% · 4.625%
HK$34,148
+HK$1,959/mo
Deposit HK$2.85M · loan HK$6.64M · min. income ≈ HK$64,378/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$318,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,697
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$34,601
−HK$917/mo
Today · 4.125%
HK$35,518
baseline
▲ 0.50% · 4.625%
HK$37,390
+HK$1,872/mo
Deposit HK$2.85M · loan HK$6.64M · min. income ≈ HK$71,036/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$318,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,944
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$40,155
−HK$1,231/mo
Today · 4.125%
HK$41,386
baseline
▲ 0.50% · 4.625%
HK$43,905
+HK$2,519/mo
Deposit HK$949K · loan HK$8.54M · min. income ≈ HK$82,772/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,325
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$44,487
−HK$1,179/mo
Today · 4.125%
HK$45,666
baseline
▲ 0.50% · 4.625%
HK$48,073
+HK$2,407/mo
Deposit HK$949K · loan HK$8.54M · min. income ≈ HK$91,332/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,824 · 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).