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$21,618
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,291
−HK$683/mo
Today · 4.125%
HK$22,974
baseline
▲ 0.50% · 4.625%
HK$24,372
+HK$1,398/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$45,948/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,050
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$24,695
−HK$655/mo
Today · 4.125%
HK$25,350
baseline
▲ 0.50% · 4.625%
HK$26,686
+HK$1,336/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$50,700/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,942
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$26,749
−HK$820/mo
Today · 4.125%
HK$27,569
baseline
▲ 0.50% · 4.625%
HK$29,246
+HK$1,677/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$55,138/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,860
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$29,634
−HK$786/mo
Today · 4.125%
HK$30,420
baseline
▲ 0.50% · 4.625%
HK$32,023
+HK$1,603/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$60,840/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,266
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$31,207
−HK$957/mo
Today · 4.125%
HK$32,164
baseline
▲ 0.50% · 4.625%
HK$34,121
+HK$1,957/mo
Deposit HK$2.84M · loan HK$6.64M · min. income ≈ HK$64,328/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$318,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,670
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$34,573
−HK$917/mo
Today · 4.125%
HK$35,490
baseline
▲ 0.50% · 4.625%
HK$37,360
+HK$1,870/mo
Deposit HK$2.84M · loan HK$6.64M · min. income ≈ HK$70,980/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$318,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,913
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$40,124
−HK$1,229/mo
Today · 4.125%
HK$41,353
baseline
▲ 0.50% · 4.625%
HK$43,870
+HK$2,517/mo
Deposit HK$948K · loan HK$8.53M · min. income ≈ HK$82,706/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,291
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$44,452
−HK$1,177/mo
Today · 4.125%
HK$45,629
baseline
▲ 0.50% · 4.625%
HK$48,035
+HK$2,406/mo
Deposit HK$948K · loan HK$8.53M · min. income ≈ HK$91,258/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,071 · 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).