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$21,551
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$22,222
−HK$681/mo
Today · 4.125%
HK$22,903
baseline
▲ 0.50% · 4.625%
HK$24,296
+HK$1,393/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$45,806/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$315,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,976
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$24,619
−HK$652/mo
Today · 4.125%
HK$25,271
baseline
▲ 0.50% · 4.625%
HK$26,603
+HK$1,332/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$50,542/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$315,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,861
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$26,666
−HK$817/mo
Today · 4.125%
HK$27,483
baseline
▲ 0.50% · 4.625%
HK$29,156
+HK$1,673/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$54,966/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$315,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,771
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$29,542
−HK$783/mo
Today · 4.125%
HK$30,325
baseline
▲ 0.50% · 4.625%
HK$31,924
+HK$1,599/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$60,650/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$315,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,172
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$31,110
−HK$954/mo
Today · 4.125%
HK$32,064
baseline
▲ 0.50% · 4.625%
HK$34,015
+HK$1,951/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$64,128/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$315,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,566
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$34,466
−HK$913/mo
Today · 4.125%
HK$35,379
baseline
▲ 0.50% · 4.625%
HK$37,244
+HK$1,865/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$70,758/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$315,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,792
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$39,999
−HK$1,226/mo
Today · 4.125%
HK$41,225
baseline
▲ 0.50% · 4.625%
HK$43,733
+HK$2,508/mo
Deposit HK$945K · loan HK$8.51M · min. income ≈ HK$82,450/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$315,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,156
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$44,313
−HK$1,175/mo
Today · 4.125%
HK$45,488
baseline
▲ 0.50% · 4.625%
HK$47,885
+HK$2,397/mo
Deposit HK$945K · loan HK$8.51M · min. income ≈ HK$90,976/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$315,124 · 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).