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$21,553
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$22,223
−HK$681/mo
Today · 4.125%
HK$22,904
baseline
▲ 0.50% · 4.625%
HK$24,298
+HK$1,394/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$45,808/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$315,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,977
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$24,620
−HK$652/mo
Today · 4.125%
HK$25,272
baseline
▲ 0.50% · 4.625%
HK$26,605
+HK$1,333/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$50,544/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$315,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,863
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$26,668
−HK$817/mo
Today · 4.125%
HK$27,485
baseline
▲ 0.50% · 4.625%
HK$29,157
+HK$1,672/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$54,970/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$315,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,772
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$29,544
−HK$783/mo
Today · 4.125%
HK$30,327
baseline
▲ 0.50% · 4.625%
HK$31,926
+HK$1,599/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$60,654/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$315,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,174
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$31,112
−HK$954/mo
Today · 4.125%
HK$32,066
baseline
▲ 0.50% · 4.625%
HK$34,017
+HK$1,951/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$64,132/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$315,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,568
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$34,468
−HK$913/mo
Today · 4.125%
HK$35,381
baseline
▲ 0.50% · 4.625%
HK$37,246
+HK$1,865/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$70,762/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$315,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,795
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$40,001
−HK$1,227/mo
Today · 4.125%
HK$41,228
baseline
▲ 0.50% · 4.625%
HK$43,736
+HK$2,508/mo
Deposit HK$945K · loan HK$8.51M · min. income ≈ HK$82,456/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$315,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,159
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$44,316
−HK$1,174/mo
Today · 4.125%
HK$45,490
baseline
▲ 0.50% · 4.625%
HK$47,888
+HK$2,398/mo
Deposit HK$945K · loan HK$8.51M · min. income ≈ HK$90,980/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$315,185 · 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).