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$21,571
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$22,242
−HK$681/mo
Today · 4.125%
HK$22,923
baseline
▲ 0.50% · 4.625%
HK$24,318
+HK$1,395/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$45,846/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$315,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,997
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$24,641
−HK$653/mo
Today · 4.125%
HK$25,294
baseline
▲ 0.50% · 4.625%
HK$26,627
+HK$1,333/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$50,588/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$315,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,885
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$26,690
−HK$818/mo
Today · 4.125%
HK$27,508
baseline
▲ 0.50% · 4.625%
HK$29,182
+HK$1,674/mo
Deposit HK$3.78M · loan HK$5.68M · min. income ≈ HK$55,016/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$315,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,797
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$29,569
−HK$783/mo
Today · 4.125%
HK$30,352
baseline
▲ 0.50% · 4.625%
HK$31,952
+HK$1,600/mo
Deposit HK$3.78M · loan HK$5.68M · min. income ≈ HK$60,704/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$315,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,199
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$31,138
−HK$955/mo
Today · 4.125%
HK$32,093
baseline
▲ 0.50% · 4.625%
HK$34,045
+HK$1,952/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$64,186/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$315,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,596
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$34,497
−HK$914/mo
Today · 4.125%
HK$35,411
baseline
▲ 0.50% · 4.625%
HK$37,278
+HK$1,867/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$70,822/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$315,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,827
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$40,035
−HK$1,227/mo
Today · 4.125%
HK$41,262
baseline
▲ 0.50% · 4.625%
HK$43,773
+HK$2,511/mo
Deposit HK$946K · loan HK$8.51M · min. income ≈ HK$82,524/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$315,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,195
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$44,353
−HK$1,175/mo
Today · 4.125%
HK$45,528
baseline
▲ 0.50% · 4.625%
HK$47,928
+HK$2,400/mo
Deposit HK$946K · loan HK$8.51M · min. income ≈ HK$91,056/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$315,974 · 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).