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$21,858
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$22,538
−HK$691/mo
Today · 4.125%
HK$23,229
baseline
▲ 0.50% · 4.625%
HK$24,642
+HK$1,413/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$46,458/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$328,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,317
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$24,969
−HK$661/mo
Today · 4.125%
HK$25,630
baseline
▲ 0.50% · 4.625%
HK$26,981
+HK$1,351/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$51,260/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$328,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,229
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$27,045
−HK$829/mo
Today · 4.125%
HK$27,874
baseline
▲ 0.50% · 4.625%
HK$29,570
+HK$1,696/mo
Deposit HK$3.83M · loan HK$5.75M · min. income ≈ HK$55,748/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$328,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,180
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$29,963
−HK$793/mo
Today · 4.125%
HK$30,756
baseline
▲ 0.50% · 4.625%
HK$32,378
+HK$1,622/mo
Deposit HK$3.83M · loan HK$5.75M · min. income ≈ HK$61,512/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$328,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,601
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$31,553
−HK$967/mo
Today · 4.125%
HK$32,520
baseline
▲ 0.50% · 4.625%
HK$34,499
+HK$1,979/mo
Deposit HK$2.88M · loan HK$6.71M · min. income ≈ HK$65,040/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$328,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,043
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$34,956
−HK$927/mo
Today · 4.125%
HK$35,883
baseline
▲ 0.50% · 4.625%
HK$37,774
+HK$1,891/mo
Deposit HK$2.88M · loan HK$6.71M · min. income ≈ HK$71,766/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$328,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,344
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$40,568
−HK$1,243/mo
Today · 4.125%
HK$41,811
baseline
▲ 0.50% · 4.625%
HK$44,356
+HK$2,545/mo
Deposit HK$959K · loan HK$8.63M · min. income ≈ HK$83,622/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$328,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,770
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$44,944
−HK$1,191/mo
Today · 4.125%
HK$46,135
baseline
▲ 0.50% · 4.625%
HK$48,567
+HK$2,432/mo
Deposit HK$959K · loan HK$8.63M · min. income ≈ HK$92,270/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$328,571 · 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).