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$21,616
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,289
−HK$683/mo
Today · 4.125%
HK$22,972
baseline
▲ 0.50% · 4.625%
HK$24,369
+HK$1,397/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$45,944/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$317,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,048
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$24,693
−HK$654/mo
Today · 4.125%
HK$25,347
baseline
▲ 0.50% · 4.625%
HK$26,683
+HK$1,336/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$50,694/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$317,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,939
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$26,746
−HK$820/mo
Today · 4.125%
HK$27,566
baseline
▲ 0.50% · 4.625%
HK$29,243
+HK$1,677/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$55,132/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$317,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,857
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$29,631
−HK$785/mo
Today · 4.125%
HK$30,416
baseline
▲ 0.50% · 4.625%
HK$32,020
+HK$1,604/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$60,832/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$317,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,263
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$31,204
−HK$956/mo
Today · 4.125%
HK$32,160
baseline
▲ 0.50% · 4.625%
HK$34,117
+HK$1,957/mo
Deposit HK$2.84M · loan HK$6.64M · min. income ≈ HK$64,320/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$317,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,667
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$34,570
−HK$916/mo
Today · 4.125%
HK$35,486
baseline
▲ 0.50% · 4.625%
HK$37,356
+HK$1,870/mo
Deposit HK$2.84M · loan HK$6.64M · min. income ≈ HK$70,972/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$317,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,909
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$40,119
−HK$1,230/mo
Today · 4.125%
HK$41,349
baseline
▲ 0.50% · 4.625%
HK$43,865
+HK$2,516/mo
Deposit HK$948K · loan HK$8.53M · min. income ≈ HK$82,698/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$317,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,286
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$44,447
−HK$1,178/mo
Today · 4.125%
HK$45,625
baseline
▲ 0.50% · 4.625%
HK$48,030
+HK$2,405/mo
Deposit HK$948K · loan HK$8.53M · min. income ≈ HK$91,250/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$317,972 · 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).