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$21,827
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$22,506
−HK$690/mo
Today · 4.125%
HK$23,196
baseline
▲ 0.50% · 4.625%
HK$24,608
+HK$1,412/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$46,392/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$327,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,283
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$24,934
−HK$661/mo
Today · 4.125%
HK$25,595
baseline
▲ 0.50% · 4.625%
HK$26,944
+HK$1,349/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$51,190/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$327,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,193
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$27,008
−HK$827/mo
Today · 4.125%
HK$27,835
baseline
▲ 0.50% · 4.625%
HK$29,529
+HK$1,694/mo
Deposit HK$3.83M · loan HK$5.74M · min. income ≈ HK$55,670/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$327,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,139
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$29,921
−HK$793/mo
Today · 4.125%
HK$30,714
baseline
▲ 0.50% · 4.625%
HK$32,333
+HK$1,619/mo
Deposit HK$3.83M · loan HK$5.74M · min. income ≈ HK$61,428/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$327,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,558
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$31,509
−HK$966/mo
Today · 4.125%
HK$32,475
baseline
▲ 0.50% · 4.625%
HK$34,451
+HK$1,976/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$64,950/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$327,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,996
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$34,908
−HK$925/mo
Today · 4.125%
HK$35,833
baseline
▲ 0.50% · 4.625%
HK$37,721
+HK$1,888/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$71,666/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$327,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,289
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$40,511
−HK$1,242/mo
Today · 4.125%
HK$41,753
baseline
▲ 0.50% · 4.625%
HK$44,294
+HK$2,541/mo
Deposit HK$957K · loan HK$8.62M · min. income ≈ HK$83,506/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$327,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,709
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$44,881
−HK$1,189/mo
Today · 4.125%
HK$46,070
baseline
▲ 0.50% · 4.625%
HK$48,499
+HK$2,429/mo
Deposit HK$957K · loan HK$8.62M · min. income ≈ HK$92,140/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$327,235 · 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).