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$21,867
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$22,547
−HK$691/mo
Today · 4.125%
HK$23,238
baseline
▲ 0.50% · 4.625%
HK$24,652
+HK$1,414/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$46,476/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$328,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,327
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$24,979
−HK$662/mo
Today · 4.125%
HK$25,641
baseline
▲ 0.50% · 4.625%
HK$26,992
+HK$1,351/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$51,282/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$328,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,240
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$27,056
−HK$830/mo
Today · 4.125%
HK$27,886
baseline
▲ 0.50% · 4.625%
HK$29,582
+HK$1,696/mo
Deposit HK$3.84M · loan HK$5.75M · min. income ≈ HK$55,772/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$328,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,192
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$29,975
−HK$794/mo
Today · 4.125%
HK$30,769
baseline
▲ 0.50% · 4.625%
HK$32,391
+HK$1,622/mo
Deposit HK$3.84M · loan HK$5.75M · min. income ≈ HK$61,538/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$328,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,614
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$31,566
−HK$967/mo
Today · 4.125%
HK$32,533
baseline
▲ 0.50% · 4.625%
HK$34,513
+HK$1,980/mo
Deposit HK$2.88M · loan HK$6.71M · min. income ≈ HK$65,066/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$328,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,057
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$34,971
−HK$926/mo
Today · 4.125%
HK$35,897
baseline
▲ 0.50% · 4.625%
HK$37,789
+HK$1,892/mo
Deposit HK$2.88M · loan HK$6.71M · min. income ≈ HK$71,794/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$328,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,360
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$40,585
−HK$1,243/mo
Today · 4.125%
HK$41,828
baseline
▲ 0.50% · 4.625%
HK$44,374
+HK$2,546/mo
Deposit HK$959K · loan HK$8.63M · min. income ≈ HK$83,656/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$328,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,788
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$44,962
−HK$1,192/mo
Today · 4.125%
HK$46,154
baseline
▲ 0.50% · 4.625%
HK$48,586
+HK$2,432/mo
Deposit HK$959K · loan HK$8.63M · min. income ≈ HK$92,308/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$328,963 · 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).