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$21,564
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$22,235
−HK$681/mo
Today · 4.125%
HK$22,916
baseline
▲ 0.50% · 4.625%
HK$24,311
+HK$1,395/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$45,832/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$315,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,990
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$24,633
−HK$653/mo
Today · 4.125%
HK$25,286
baseline
▲ 0.50% · 4.625%
HK$26,619
+HK$1,333/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$50,572/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$315,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,877
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$26,682
−HK$818/mo
Today · 4.125%
HK$27,500
baseline
▲ 0.50% · 4.625%
HK$29,173
+HK$1,673/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$55,000/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$315,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,788
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$29,560
−HK$783/mo
Today · 4.125%
HK$30,343
baseline
▲ 0.50% · 4.625%
HK$31,943
+HK$1,600/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$60,686/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$315,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,190
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$31,129
−HK$954/mo
Today · 4.125%
HK$32,083
baseline
▲ 0.50% · 4.625%
HK$34,035
+HK$1,952/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$64,166/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$315,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,586
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$34,487
−HK$914/mo
Today · 4.125%
HK$35,401
baseline
▲ 0.50% · 4.625%
HK$37,267
+HK$1,866/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$70,802/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$315,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,816
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$40,023
−HK$1,227/mo
Today · 4.125%
HK$41,250
baseline
▲ 0.50% · 4.625%
HK$43,760
+HK$2,510/mo
Deposit HK$946K · loan HK$8.51M · min. income ≈ HK$82,500/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$315,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,182
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$44,340
−HK$1,175/mo
Today · 4.125%
HK$45,515
baseline
▲ 0.50% · 4.625%
HK$47,914
+HK$2,399/mo
Deposit HK$946K · loan HK$8.51M · min. income ≈ HK$91,030/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$315,693 · 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).