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$21,550
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$22,220
−HK$681/mo
Today · 4.125%
HK$22,901
baseline
▲ 0.50% · 4.625%
HK$24,295
+HK$1,394/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$45,802/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$315,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,974
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$24,617
−HK$652/mo
Today · 4.125%
HK$25,269
baseline
▲ 0.50% · 4.625%
HK$26,601
+HK$1,332/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$50,538/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$315,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,860
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$26,664
−HK$818/mo
Today · 4.125%
HK$27,482
baseline
▲ 0.50% · 4.625%
HK$29,154
+HK$1,672/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$54,964/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$315,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,769
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$29,540
−HK$783/mo
Today · 4.125%
HK$30,323
baseline
▲ 0.50% · 4.625%
HK$31,922
+HK$1,599/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$60,646/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$315,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,170
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$31,108
−HK$954/mo
Today · 4.125%
HK$32,062
baseline
▲ 0.50% · 4.625%
HK$34,013
+HK$1,951/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$64,124/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$315,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,564
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$34,464
−HK$913/mo
Today · 4.125%
HK$35,377
baseline
▲ 0.50% · 4.625%
HK$37,242
+HK$1,865/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$70,754/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$315,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,790
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$39,996
−HK$1,226/mo
Today · 4.125%
HK$41,222
baseline
▲ 0.50% · 4.625%
HK$43,731
+HK$2,509/mo
Deposit HK$945K · loan HK$8.51M · min. income ≈ HK$82,444/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$315,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,153
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$44,311
−HK$1,174/mo
Today · 4.125%
HK$45,485
baseline
▲ 0.50% · 4.625%
HK$47,882
+HK$2,397/mo
Deposit HK$945K · loan HK$8.51M · min. income ≈ HK$90,970/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$315,065 · 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).