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$21,631
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,304
−HK$683/mo
Today · 4.125%
HK$22,987
baseline
▲ 0.50% · 4.625%
HK$24,386
+HK$1,399/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$45,974/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,064
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$24,709
−HK$655/mo
Today · 4.125%
HK$25,364
baseline
▲ 0.50% · 4.625%
HK$26,701
+HK$1,337/mo
Deposit HK$4.74M · loan HK$4.74M · min. income ≈ HK$50,728/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$318,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,957
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$26,764
−HK$821/mo
Today · 4.125%
HK$27,585
baseline
▲ 0.50% · 4.625%
HK$29,263
+HK$1,678/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$55,170/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,877
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$29,651
−HK$786/mo
Today · 4.125%
HK$30,437
baseline
▲ 0.50% · 4.625%
HK$32,041
+HK$1,604/mo
Deposit HK$3.79M · loan HK$5.69M · min. income ≈ HK$60,874/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$318,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,283
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$31,225
−HK$957/mo
Today · 4.125%
HK$32,182
baseline
▲ 0.50% · 4.625%
HK$34,140
+HK$1,958/mo
Deposit HK$2.85M · loan HK$6.64M · min. income ≈ HK$64,364/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$318,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,690
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$34,593
−HK$917/mo
Today · 4.125%
HK$35,510
baseline
▲ 0.50% · 4.625%
HK$37,381
+HK$1,871/mo
Deposit HK$2.85M · loan HK$6.64M · min. income ≈ HK$71,020/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$318,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,935
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$40,146
−HK$1,231/mo
Today · 4.125%
HK$41,377
baseline
▲ 0.50% · 4.625%
HK$43,895
+HK$2,518/mo
Deposit HK$949K · loan HK$8.54M · min. income ≈ HK$82,754/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,315
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$44,477
−HK$1,178/mo
Today · 4.125%
HK$45,655
baseline
▲ 0.50% · 4.625%
HK$48,062
+HK$2,407/mo
Deposit HK$949K · loan HK$8.54M · min. income ≈ HK$91,310/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$318,609 · 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).