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$21,593
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$22,264
−HK$683/mo
Today · 4.125%
HK$22,947
baseline
▲ 0.50% · 4.625%
HK$24,343
+HK$1,396/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$45,894/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$316,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,021
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$24,666
−HK$653/mo
Today · 4.125%
HK$25,319
baseline
▲ 0.50% · 4.625%
HK$26,654
+HK$1,335/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$50,638/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$316,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,911
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$26,717
−HK$819/mo
Today · 4.125%
HK$27,536
baseline
▲ 0.50% · 4.625%
HK$29,211
+HK$1,675/mo
Deposit HK$3.79M · loan HK$5.68M · min. income ≈ HK$55,072/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$316,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,826
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$29,599
−HK$784/mo
Today · 4.125%
HK$30,383
baseline
▲ 0.50% · 4.625%
HK$31,985
+HK$1,602/mo
Deposit HK$3.79M · loan HK$5.68M · min. income ≈ HK$60,766/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$316,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,230
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$31,170
−HK$955/mo
Today · 4.125%
HK$32,125
baseline
▲ 0.50% · 4.625%
HK$34,080
+HK$1,955/mo
Deposit HK$2.84M · loan HK$6.63M · min. income ≈ HK$64,250/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$316,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,630
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$34,532
−HK$915/mo
Today · 4.125%
HK$35,447
baseline
▲ 0.50% · 4.625%
HK$37,315
+HK$1,868/mo
Deposit HK$2.84M · loan HK$6.63M · min. income ≈ HK$70,894/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$316,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,867
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$40,076
−HK$1,228/mo
Today · 4.125%
HK$41,304
baseline
▲ 0.50% · 4.625%
HK$43,817
+HK$2,513/mo
Deposit HK$947K · loan HK$8.52M · min. income ≈ HK$82,608/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$316,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,239
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$44,398
−HK$1,177/mo
Today · 4.125%
HK$45,575
baseline
▲ 0.50% · 4.625%
HK$47,977
+HK$2,402/mo
Deposit HK$947K · loan HK$8.52M · min. income ≈ HK$91,150/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$316,936 · 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).