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$21,558
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$22,228
−HK$682/mo
Today · 4.125%
HK$22,910
baseline
▲ 0.50% · 4.625%
HK$24,304
+HK$1,394/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$45,820/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$315,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,983
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$24,626
−HK$653/mo
Today · 4.125%
HK$25,279
baseline
▲ 0.50% · 4.625%
HK$26,611
+HK$1,332/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$50,558/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$315,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,869
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$26,674
−HK$818/mo
Today · 4.125%
HK$27,492
baseline
▲ 0.50% · 4.625%
HK$29,164
+HK$1,672/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$54,984/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$315,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,779
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$29,551
−HK$783/mo
Today · 4.125%
HK$30,334
baseline
▲ 0.50% · 4.625%
HK$31,933
+HK$1,599/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$60,668/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$315,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,181
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$31,120
−HK$954/mo
Today · 4.125%
HK$32,074
baseline
▲ 0.50% · 4.625%
HK$34,025
+HK$1,951/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$64,148/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$315,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,576
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$34,477
−HK$913/mo
Today · 4.125%
HK$35,390
baseline
▲ 0.50% · 4.625%
HK$37,256
+HK$1,866/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$70,780/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$315,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,804
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$40,011
−HK$1,227/mo
Today · 4.125%
HK$41,238
baseline
▲ 0.50% · 4.625%
HK$43,747
+HK$2,509/mo
Deposit HK$945K · loan HK$8.51M · min. income ≈ HK$82,476/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$315,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,169
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$44,327
−HK$1,175/mo
Today · 4.125%
HK$45,502
baseline
▲ 0.50% · 4.625%
HK$47,900
+HK$2,398/mo
Deposit HK$945K · loan HK$8.51M · min. income ≈ HK$91,004/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$315,414 · 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).