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$21,626
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,298
−HK$684/mo
Today · 4.125%
HK$22,982
baseline
▲ 0.50% · 4.625%
HK$24,380
+HK$1,398/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$45,964/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,058
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$24,704
−HK$654/mo
Today · 4.125%
HK$25,358
baseline
▲ 0.50% · 4.625%
HK$26,695
+HK$1,337/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$50,716/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,951
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$26,758
−HK$820/mo
Today · 4.125%
HK$27,578
baseline
▲ 0.50% · 4.625%
HK$29,256
+HK$1,678/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$55,156/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,870
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$29,644
−HK$786/mo
Today · 4.125%
HK$30,430
baseline
▲ 0.50% · 4.625%
HK$32,034
+HK$1,604/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$60,860/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,276
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$31,218
−HK$957/mo
Today · 4.125%
HK$32,175
baseline
▲ 0.50% · 4.625%
HK$34,132
+HK$1,957/mo
Deposit HK$2.85M · loan HK$6.64M · min. income ≈ HK$64,350/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$318,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,682
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$34,585
−HK$917/mo
Today · 4.125%
HK$35,502
baseline
▲ 0.50% · 4.625%
HK$37,373
+HK$1,871/mo
Deposit HK$2.85M · loan HK$6.64M · min. income ≈ HK$71,004/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$318,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,926
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$40,137
−HK$1,230/mo
Today · 4.125%
HK$41,367
baseline
▲ 0.50% · 4.625%
HK$43,885
+HK$2,518/mo
Deposit HK$948K · loan HK$8.54M · min. income ≈ HK$82,734/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,305
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$44,467
−HK$1,178/mo
Today · 4.125%
HK$45,645
baseline
▲ 0.50% · 4.625%
HK$48,051
+HK$2,406/mo
Deposit HK$948K · loan HK$8.54M · min. income ≈ HK$91,290/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,393 · 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).