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$21,751
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$22,428
−HK$687/mo
Today · 4.125%
HK$23,115
baseline
▲ 0.50% · 4.625%
HK$24,522
+HK$1,407/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$46,230/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$323,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,198
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$24,847
−HK$658/mo
Today · 4.125%
HK$25,505
baseline
▲ 0.50% · 4.625%
HK$26,850
+HK$1,345/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$51,010/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$323,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,102
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$26,913
−HK$825/mo
Today · 4.125%
HK$27,738
baseline
▲ 0.50% · 4.625%
HK$29,426
+HK$1,688/mo
Deposit HK$3.82M · loan HK$5.72M · min. income ≈ HK$55,476/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$323,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,038
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$29,816
−HK$791/mo
Today · 4.125%
HK$30,607
baseline
▲ 0.50% · 4.625%
HK$32,220
+HK$1,613/mo
Deposit HK$3.82M · loan HK$5.72M · min. income ≈ HK$61,214/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$323,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,452
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$31,399
−HK$962/mo
Today · 4.125%
HK$32,361
baseline
▲ 0.50% · 4.625%
HK$34,330
+HK$1,969/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$64,722/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$323,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,877
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$34,786
−HK$922/mo
Today · 4.125%
HK$35,708
baseline
▲ 0.50% · 4.625%
HK$37,590
+HK$1,882/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$71,416/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$323,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,152
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$40,370
−HK$1,237/mo
Today · 4.125%
HK$41,607
baseline
▲ 0.50% · 4.625%
HK$44,139
+HK$2,532/mo
Deposit HK$954K · loan HK$8.59M · min. income ≈ HK$83,214/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$323,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,557
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$44,725
−HK$1,185/mo
Today · 4.125%
HK$45,910
baseline
▲ 0.50% · 4.625%
HK$48,330
+HK$2,420/mo
Deposit HK$954K · loan HK$8.59M · min. income ≈ HK$91,820/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$323,897 · 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).