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$21,554
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$22,225
−HK$681/mo
Today · 4.125%
HK$22,906
baseline
▲ 0.50% · 4.625%
HK$24,300
+HK$1,394/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$45,812/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$315,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,979
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$24,622
−HK$653/mo
Today · 4.125%
HK$25,275
baseline
▲ 0.50% · 4.625%
HK$26,607
+HK$1,332/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$50,550/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$315,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,865
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$26,670
−HK$817/mo
Today · 4.125%
HK$27,487
baseline
▲ 0.50% · 4.625%
HK$29,160
+HK$1,673/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$54,974/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$315,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,775
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$29,547
−HK$783/mo
Today · 4.125%
HK$30,330
baseline
▲ 0.50% · 4.625%
HK$31,928
+HK$1,598/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$60,660/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$315,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,176
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$31,115
−HK$954/mo
Today · 4.125%
HK$32,069
baseline
▲ 0.50% · 4.625%
HK$34,020
+HK$1,951/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$64,138/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$315,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,571
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$34,471
−HK$913/mo
Today · 4.125%
HK$35,384
baseline
▲ 0.50% · 4.625%
HK$37,250
+HK$1,866/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$70,768/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$315,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,798
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$40,005
−HK$1,226/mo
Today · 4.125%
HK$41,231
baseline
▲ 0.50% · 4.625%
HK$43,740
+HK$2,509/mo
Deposit HK$945K · loan HK$8.51M · min. income ≈ HK$82,462/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$315,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,162
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$44,320
−HK$1,174/mo
Today · 4.125%
HK$45,494
baseline
▲ 0.50% · 4.625%
HK$47,892
+HK$2,398/mo
Deposit HK$945K · loan HK$8.51M · min. income ≈ HK$90,988/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$315,265 · 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).