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$1,355/mo
▼ 0.25% · 3.875%
HK$22,290
−HK$683/mo
Today · 4.125%
HK$22,973
baseline
▲ 0.50% · 4.625%
HK$24,371
+HK$1,398/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$45,946/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,049
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$24,694
−HK$655/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$318,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,941
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$26,748
−HK$820/mo
Today · 4.125%
HK$27,568
baseline
▲ 0.50% · 4.625%
HK$29,245
+HK$1,677/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$318,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,859
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$29,633
−HK$786/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$318,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,265
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$31,206
−HK$957/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$318,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,669
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$34,572
−HK$916/mo
Today · 4.125%
HK$35,488
baseline
▲ 0.50% · 4.625%
HK$37,359
+HK$1,871/mo
Deposit HK$2.84M · loan HK$6.64M · min. income ≈ HK$70,976/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$318,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,912
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$40,122
−HK$1,230/mo
Today · 4.125%
HK$41,352
baseline
▲ 0.50% · 4.625%
HK$43,868
+HK$2,516/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$318,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,289
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$44,450
−HK$1,178/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$318,038 · 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).