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$21,600
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$22,272
−HK$683/mo
Today · 4.125%
HK$22,955
baseline
▲ 0.50% · 4.625%
HK$24,352
+HK$1,397/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$45,910/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$317,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,030
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$24,675
−HK$654/mo
Today · 4.125%
HK$25,329
baseline
▲ 0.50% · 4.625%
HK$26,664
+HK$1,335/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$50,658/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$317,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,921
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$26,727
−HK$819/mo
Today · 4.125%
HK$27,546
baseline
▲ 0.50% · 4.625%
HK$29,222
+HK$1,676/mo
Deposit HK$3.79M · loan HK$5.68M · min. income ≈ HK$55,092/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$317,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,836
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$29,610
−HK$784/mo
Today · 4.125%
HK$30,394
baseline
▲ 0.50% · 4.625%
HK$31,996
+HK$1,602/mo
Deposit HK$3.79M · loan HK$5.68M · min. income ≈ HK$60,788/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$317,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,241
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$31,181
−HK$956/mo
Today · 4.125%
HK$32,137
baseline
▲ 0.50% · 4.625%
HK$34,092
+HK$1,955/mo
Deposit HK$2.84M · loan HK$6.63M · min. income ≈ HK$64,274/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$317,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,642
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$34,545
−HK$915/mo
Today · 4.125%
HK$35,460
baseline
▲ 0.50% · 4.625%
HK$37,329
+HK$1,869/mo
Deposit HK$2.84M · loan HK$6.63M · min. income ≈ HK$70,920/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$317,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,881
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$40,090
−HK$1,229/mo
Today · 4.125%
HK$41,319
baseline
▲ 0.50% · 4.625%
HK$43,833
+HK$2,514/mo
Deposit HK$947K · loan HK$8.53M · min. income ≈ HK$82,638/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$317,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,254
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$44,415
−HK$1,176/mo
Today · 4.125%
HK$45,591
baseline
▲ 0.50% · 4.625%
HK$47,995
+HK$2,404/mo
Deposit HK$947K · loan HK$8.53M · min. income ≈ HK$91,182/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$317,281 · 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).