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$21,639
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$22,312
−HK$684/mo
Today · 4.125%
HK$22,996
baseline
▲ 0.50% · 4.625%
HK$24,395
+HK$1,399/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$45,992/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,073
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$24,719
−HK$654/mo
Today · 4.125%
HK$25,373
baseline
▲ 0.50% · 4.625%
HK$26,711
+HK$1,338/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$50,746/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,967
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$26,774
−HK$821/mo
Today · 4.125%
HK$27,595
baseline
▲ 0.50% · 4.625%
HK$29,274
+HK$1,679/mo
Deposit HK$3.80M · loan HK$5.69M · min. income ≈ HK$55,190/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,887
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$29,662
−HK$786/mo
Today · 4.125%
HK$30,448
baseline
▲ 0.50% · 4.625%
HK$32,053
+HK$1,605/mo
Deposit HK$3.80M · loan HK$5.69M · min. income ≈ HK$60,896/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,294
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$31,237
−HK$957/mo
Today · 4.125%
HK$32,194
baseline
▲ 0.50% · 4.625%
HK$34,153
+HK$1,959/mo
Deposit HK$2.85M · loan HK$6.64M · min. income ≈ HK$64,388/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$318,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,702
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$34,606
−HK$917/mo
Today · 4.125%
HK$35,523
baseline
▲ 0.50% · 4.625%
HK$37,395
+HK$1,872/mo
Deposit HK$2.85M · loan HK$6.64M · min. income ≈ HK$71,046/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$318,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,950
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$40,161
−HK$1,231/mo
Today · 4.125%
HK$41,392
baseline
▲ 0.50% · 4.625%
HK$43,911
+HK$2,519/mo
Deposit HK$949K · loan HK$8.54M · min. income ≈ HK$82,784/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,331
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$44,493
−HK$1,179/mo
Today · 4.125%
HK$45,672
baseline
▲ 0.50% · 4.625%
HK$48,080
+HK$2,408/mo
Deposit HK$949K · loan HK$8.54M · min. income ≈ HK$91,344/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,962 · 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).