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$21,619
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$22,291
−HK$683/mo
Today · 4.125%
HK$22,974
baseline
▲ 0.50% · 4.625%
HK$24,372
+HK$1,398/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$45,948/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,051
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$24,696
−HK$654/mo
Today · 4.125%
HK$25,350
baseline
▲ 0.50% · 4.625%
HK$26,686
+HK$1,336/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$50,700/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,942
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$26,749
−HK$820/mo
Today · 4.125%
HK$27,569
baseline
▲ 0.50% · 4.625%
HK$29,247
+HK$1,678/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$55,138/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,861
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$29,635
−HK$785/mo
Today · 4.125%
HK$30,420
baseline
▲ 0.50% · 4.625%
HK$32,023
+HK$1,603/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$60,840/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,266
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$31,208
−HK$956/mo
Today · 4.125%
HK$32,164
baseline
▲ 0.50% · 4.625%
HK$34,121
+HK$1,957/mo
Deposit HK$2.84M · loan HK$6.64M · min. income ≈ HK$64,328/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$318,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,671
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$34,574
−HK$916/mo
Today · 4.125%
HK$35,490
baseline
▲ 0.50% · 4.625%
HK$37,361
+HK$1,871/mo
Deposit HK$2.84M · loan HK$6.64M · min. income ≈ HK$70,980/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$318,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,914
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$40,124
−HK$1,230/mo
Today · 4.125%
HK$41,354
baseline
▲ 0.50% · 4.625%
HK$43,870
+HK$2,516/mo
Deposit HK$948K · loan HK$8.53M · min. income ≈ HK$82,708/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,291
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$44,452
−HK$1,178/mo
Today · 4.125%
HK$45,630
baseline
▲ 0.50% · 4.625%
HK$48,035
+HK$2,405/mo
Deposit HK$948K · loan HK$8.53M · min. income ≈ HK$91,260/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,079 · 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).