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$21,581
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$22,252
−HK$682/mo
Today · 4.125%
HK$22,934
baseline
▲ 0.50% · 4.625%
HK$24,329
+HK$1,395/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$45,868/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$316,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,008
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$24,652
−HK$653/mo
Today · 4.125%
HK$25,305
baseline
▲ 0.50% · 4.625%
HK$26,639
+HK$1,334/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$50,610/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$316,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,897
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$26,702
−HK$819/mo
Today · 4.125%
HK$27,521
baseline
▲ 0.50% · 4.625%
HK$29,195
+HK$1,674/mo
Deposit HK$3.79M · loan HK$5.68M · min. income ≈ HK$55,042/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$316,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,810
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$29,583
−HK$783/mo
Today · 4.125%
HK$30,366
baseline
▲ 0.50% · 4.625%
HK$31,967
+HK$1,601/mo
Deposit HK$3.79M · loan HK$5.68M · min. income ≈ HK$60,732/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$316,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,213
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$31,153
−HK$954/mo
Today · 4.125%
HK$32,107
baseline
▲ 0.50% · 4.625%
HK$34,061
+HK$1,954/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$64,214/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$316,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,612
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$34,513
−HK$914/mo
Today · 4.125%
HK$35,427
baseline
▲ 0.50% · 4.625%
HK$37,295
+HK$1,868/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$70,854/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$316,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,845
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$40,053
−HK$1,228/mo
Today · 4.125%
HK$41,281
baseline
▲ 0.50% · 4.625%
HK$43,793
+HK$2,512/mo
Deposit HK$946K · loan HK$8.52M · min. income ≈ HK$82,562/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$316,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,215
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$44,374
−HK$1,176/mo
Today · 4.125%
HK$45,550
baseline
▲ 0.50% · 4.625%
HK$47,951
+HK$2,401/mo
Deposit HK$946K · loan HK$8.52M · min. income ≈ HK$91,100/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$316,413 · 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).