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$21,560
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$22,231
−HK$681/mo
Today · 4.125%
HK$22,912
baseline
▲ 0.50% · 4.625%
HK$24,306
+HK$1,394/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$45,824/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$315,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,985
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$24,628
−HK$653/mo
Today · 4.125%
HK$25,281
baseline
▲ 0.50% · 4.625%
HK$26,614
+HK$1,333/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$50,562/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$315,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,872
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$26,677
−HK$817/mo
Today · 4.125%
HK$27,494
baseline
▲ 0.50% · 4.625%
HK$29,167
+HK$1,673/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$54,988/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$315,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,782
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$29,554
−HK$783/mo
Today · 4.125%
HK$30,337
baseline
▲ 0.50% · 4.625%
HK$31,936
+HK$1,599/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$60,674/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$315,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,184
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$31,123
−HK$954/mo
Today · 4.125%
HK$32,077
baseline
▲ 0.50% · 4.625%
HK$34,029
+HK$1,952/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$64,154/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$315,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,579
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$34,480
−HK$914/mo
Today · 4.125%
HK$35,394
baseline
▲ 0.50% · 4.625%
HK$37,259
+HK$1,865/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$70,788/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$315,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,808
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$40,015
−HK$1,227/mo
Today · 4.125%
HK$41,242
baseline
▲ 0.50% · 4.625%
HK$43,751
+HK$2,509/mo
Deposit HK$946K · loan HK$8.51M · min. income ≈ HK$82,484/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$315,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,173
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$44,331
−HK$1,175/mo
Today · 4.125%
HK$45,506
baseline
▲ 0.50% · 4.625%
HK$47,905
+HK$2,399/mo
Deposit HK$946K · loan HK$8.51M · min. income ≈ HK$91,012/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$315,506 · 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).