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$21,588
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$22,259
−HK$682/mo
Today · 4.125%
HK$22,941
baseline
▲ 0.50% · 4.625%
HK$24,337
+HK$1,396/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$45,882/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$316,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,016
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$24,660
−HK$654/mo
Today · 4.125%
HK$25,314
baseline
▲ 0.50% · 4.625%
HK$26,648
+HK$1,334/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$50,628/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$316,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,905
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$26,711
−HK$819/mo
Today · 4.125%
HK$27,530
baseline
▲ 0.50% · 4.625%
HK$29,205
+HK$1,675/mo
Deposit HK$3.79M · loan HK$5.68M · min. income ≈ HK$55,060/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$316,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,819
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$29,592
−HK$784/mo
Today · 4.125%
HK$30,376
baseline
▲ 0.50% · 4.625%
HK$31,978
+HK$1,602/mo
Deposit HK$3.79M · loan HK$5.68M · min. income ≈ HK$60,752/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$316,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,223
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$31,163
−HK$955/mo
Today · 4.125%
HK$32,118
baseline
▲ 0.50% · 4.625%
HK$34,072
+HK$1,954/mo
Deposit HK$2.84M · loan HK$6.63M · min. income ≈ HK$64,236/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$316,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,623
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$34,524
−HK$915/mo
Today · 4.125%
HK$35,439
baseline
▲ 0.50% · 4.625%
HK$37,307
+HK$1,868/mo
Deposit HK$2.84M · loan HK$6.63M · min. income ≈ HK$70,878/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$316,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,858
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$40,067
−HK$1,228/mo
Today · 4.125%
HK$41,295
baseline
▲ 0.50% · 4.625%
HK$43,807
+HK$2,512/mo
Deposit HK$947K · loan HK$8.52M · min. income ≈ HK$82,590/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$316,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,229
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$44,388
−HK$1,177/mo
Today · 4.125%
HK$45,565
baseline
▲ 0.50% · 4.625%
HK$47,966
+HK$2,401/mo
Deposit HK$947K · loan HK$8.52M · min. income ≈ HK$91,130/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$316,724 · 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).