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$21,591
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$22,263
−HK$682/mo
Today · 4.125%
HK$22,945
baseline
▲ 0.50% · 4.625%
HK$24,341
+HK$1,396/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$45,890/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$316,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,020
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$24,664
−HK$654/mo
Today · 4.125%
HK$25,318
baseline
▲ 0.50% · 4.625%
HK$26,652
+HK$1,334/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$50,636/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$316,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,909
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$26,715
−HK$819/mo
Today · 4.125%
HK$27,534
baseline
▲ 0.50% · 4.625%
HK$29,210
+HK$1,676/mo
Deposit HK$3.79M · loan HK$5.68M · min. income ≈ HK$55,068/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$316,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,824
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$29,597
−HK$784/mo
Today · 4.125%
HK$30,381
baseline
▲ 0.50% · 4.625%
HK$31,983
+HK$1,602/mo
Deposit HK$3.79M · loan HK$5.68M · min. income ≈ HK$60,762/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$316,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,228
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$31,168
−HK$955/mo
Today · 4.125%
HK$32,123
baseline
▲ 0.50% · 4.625%
HK$34,078
+HK$1,955/mo
Deposit HK$2.84M · loan HK$6.63M · min. income ≈ HK$64,246/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$316,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,628
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$34,530
−HK$915/mo
Today · 4.125%
HK$35,445
baseline
▲ 0.50% · 4.625%
HK$37,313
+HK$1,868/mo
Deposit HK$2.84M · loan HK$6.63M · min. income ≈ HK$70,890/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$316,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,864
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$40,073
−HK$1,228/mo
Today · 4.125%
HK$41,301
baseline
▲ 0.50% · 4.625%
HK$43,814
+HK$2,513/mo
Deposit HK$947K · loan HK$8.52M · min. income ≈ HK$82,602/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$316,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,236
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$44,395
−HK$1,177/mo
Today · 4.125%
HK$45,572
baseline
▲ 0.50% · 4.625%
HK$47,974
+HK$2,402/mo
Deposit HK$947K · loan HK$8.52M · min. income ≈ HK$91,144/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$316,875 · 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).