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$21,574
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$22,245
−HK$682/mo
Today · 4.125%
HK$22,927
baseline
▲ 0.50% · 4.625%
HK$24,322
+HK$1,395/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$45,854/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$316,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,001
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$24,645
−HK$653/mo
Today · 4.125%
HK$25,298
baseline
▲ 0.50% · 4.625%
HK$26,631
+HK$1,333/mo
Deposit HK$4.73M · loan HK$4.73M · min. income ≈ HK$50,596/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$316,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,889
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$26,695
−HK$818/mo
Today · 4.125%
HK$27,513
baseline
▲ 0.50% · 4.625%
HK$29,187
+HK$1,674/mo
Deposit HK$3.78M · loan HK$5.68M · min. income ≈ HK$55,026/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$316,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,802
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$29,574
−HK$784/mo
Today · 4.125%
HK$30,358
baseline
▲ 0.50% · 4.625%
HK$31,958
+HK$1,600/mo
Deposit HK$3.78M · loan HK$5.68M · min. income ≈ HK$60,716/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$316,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,204
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$31,144
−HK$954/mo
Today · 4.125%
HK$32,098
baseline
▲ 0.50% · 4.625%
HK$34,051
+HK$1,953/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$64,196/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$316,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,602
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$34,503
−HK$914/mo
Today · 4.125%
HK$35,417
baseline
▲ 0.50% · 4.625%
HK$37,284
+HK$1,867/mo
Deposit HK$2.84M · loan HK$6.62M · min. income ≈ HK$70,834/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$316,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,834
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$40,042
−HK$1,227/mo
Today · 4.125%
HK$41,269
baseline
▲ 0.50% · 4.625%
HK$43,780
+HK$2,511/mo
Deposit HK$946K · loan HK$8.52M · min. income ≈ HK$82,538/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$316,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,202
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$44,361
−HK$1,175/mo
Today · 4.125%
HK$45,536
baseline
▲ 0.50% · 4.625%
HK$47,937
+HK$2,401/mo
Deposit HK$946K · loan HK$8.52M · min. income ≈ HK$91,072/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$316,139 · 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).