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$21,549
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$22,219
−HK$681/mo
Today · 4.125%
HK$22,900
baseline
▲ 0.50% · 4.625%
HK$24,293
+HK$1,393/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$45,800/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$315,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,973
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$24,616
−HK$652/mo
Today · 4.125%
HK$25,268
baseline
▲ 0.50% · 4.625%
HK$26,600
+HK$1,332/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$50,536/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$315,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,858
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$26,663
−HK$817/mo
Today · 4.125%
HK$27,480
baseline
▲ 0.50% · 4.625%
HK$29,152
+HK$1,672/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$54,960/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$315,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,767
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$29,539
−HK$782/mo
Today · 4.125%
HK$30,321
baseline
▲ 0.50% · 4.625%
HK$31,920
+HK$1,599/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$60,642/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$315,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,168
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$31,106
−HK$954/mo
Today · 4.125%
HK$32,060
baseline
▲ 0.50% · 4.625%
HK$34,011
+HK$1,951/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$64,120/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$315,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,562
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$34,462
−HK$913/mo
Today · 4.125%
HK$35,375
baseline
▲ 0.50% · 4.625%
HK$37,240
+HK$1,865/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$70,750/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$315,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,787
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$39,994
−HK$1,226/mo
Today · 4.125%
HK$41,220
baseline
▲ 0.50% · 4.625%
HK$43,728
+HK$2,508/mo
Deposit HK$945K · loan HK$8.51M · min. income ≈ HK$82,440/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$315,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,151
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$44,308
−HK$1,174/mo
Today · 4.125%
HK$45,482
baseline
▲ 0.50% · 4.625%
HK$47,879
+HK$2,397/mo
Deposit HK$945K · loan HK$8.51M · min. income ≈ HK$90,964/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$315,008 · 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).