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$21,611
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$22,283
−HK$683/mo
Today · 4.125%
HK$22,966
baseline
▲ 0.50% · 4.625%
HK$24,364
+HK$1,398/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$45,932/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$317,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,042
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$24,687
−HK$654/mo
Today · 4.125%
HK$25,341
baseline
▲ 0.50% · 4.625%
HK$26,677
+HK$1,336/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$50,682/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$317,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,934
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$26,740
−HK$820/mo
Today · 4.125%
HK$27,560
baseline
▲ 0.50% · 4.625%
HK$29,237
+HK$1,677/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$55,120/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$317,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,851
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$29,625
−HK$784/mo
Today · 4.125%
HK$30,409
baseline
▲ 0.50% · 4.625%
HK$32,012
+HK$1,603/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$60,818/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$317,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,256
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$31,197
−HK$956/mo
Today · 4.125%
HK$32,153
baseline
▲ 0.50% · 4.625%
HK$34,110
+HK$1,957/mo
Deposit HK$2.84M · loan HK$6.63M · min. income ≈ HK$64,306/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$317,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,659
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$34,562
−HK$916/mo
Today · 4.125%
HK$35,478
baseline
▲ 0.50% · 4.625%
HK$37,348
+HK$1,870/mo
Deposit HK$2.84M · loan HK$6.63M · min. income ≈ HK$70,956/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$317,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,900
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$40,110
−HK$1,230/mo
Today · 4.125%
HK$41,340
baseline
▲ 0.50% · 4.625%
HK$43,855
+HK$2,515/mo
Deposit HK$948K · loan HK$8.53M · min. income ≈ HK$82,680/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$317,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,276
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$44,437
−HK$1,177/mo
Today · 4.125%
HK$45,614
baseline
▲ 0.50% · 4.625%
HK$48,019
+HK$2,405/mo
Deposit HK$948K · loan HK$8.53M · min. income ≈ HK$91,228/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$317,756 · 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).