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$21,568
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$22,239
−HK$682/mo
Today · 4.125%
HK$22,921
baseline
▲ 0.50% · 4.625%
HK$24,315
+HK$1,394/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$45,842/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$315,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,994
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$24,638
−HK$653/mo
Today · 4.125%
HK$25,291
baseline
▲ 0.50% · 4.625%
HK$26,624
+HK$1,333/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$50,582/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$315,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,882
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$26,687
−HK$818/mo
Today · 4.125%
HK$27,505
baseline
▲ 0.50% · 4.625%
HK$29,178
+HK$1,673/mo
Deposit HK$3.78M · loan HK$5.68M · min. income ≈ HK$55,010/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$315,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,793
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$29,566
−HK$783/mo
Today · 4.125%
HK$30,349
baseline
▲ 0.50% · 4.625%
HK$31,949
+HK$1,600/mo
Deposit HK$3.78M · loan HK$5.68M · min. income ≈ HK$60,698/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$315,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,196
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$31,135
−HK$954/mo
Today · 4.125%
HK$32,089
baseline
▲ 0.50% · 4.625%
HK$34,042
+HK$1,953/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$64,178/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$315,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,592
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$34,493
−HK$914/mo
Today · 4.125%
HK$35,407
baseline
▲ 0.50% · 4.625%
HK$37,273
+HK$1,866/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$70,814/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$315,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,823
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$40,030
−HK$1,227/mo
Today · 4.125%
HK$41,257
baseline
▲ 0.50% · 4.625%
HK$43,768
+HK$2,511/mo
Deposit HK$946K · loan HK$8.51M · min. income ≈ HK$82,514/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$315,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,190
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$44,348
−HK$1,175/mo
Today · 4.125%
HK$45,523
baseline
▲ 0.50% · 4.625%
HK$47,923
+HK$2,400/mo
Deposit HK$946K · loan HK$8.51M · min. income ≈ HK$91,046/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$315,868 · 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).