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$21,770
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$22,447
−HK$688/mo
Today · 4.125%
HK$23,135
baseline
▲ 0.50% · 4.625%
HK$24,543
+HK$1,408/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$46,270/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$324,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,219
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$24,868
−HK$659/mo
Today · 4.125%
HK$25,527
baseline
▲ 0.50% · 4.625%
HK$26,873
+HK$1,346/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$51,054/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$324,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,124
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$26,936
−HK$826/mo
Today · 4.125%
HK$27,762
baseline
▲ 0.50% · 4.625%
HK$29,451
+HK$1,689/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$55,524/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$324,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,062
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$29,842
−HK$791/mo
Today · 4.125%
HK$30,633
baseline
▲ 0.50% · 4.625%
HK$32,247
+HK$1,614/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$61,266/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$324,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,478
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$31,426
−HK$963/mo
Today · 4.125%
HK$32,389
baseline
▲ 0.50% · 4.625%
HK$34,360
+HK$1,971/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$64,778/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$324,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,906
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$34,815
−HK$923/mo
Today · 4.125%
HK$35,738
baseline
▲ 0.50% · 4.625%
HK$37,622
+HK$1,884/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$71,476/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$324,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,186
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$40,404
−HK$1,239/mo
Today · 4.125%
HK$41,643
baseline
▲ 0.50% · 4.625%
HK$44,177
+HK$2,534/mo
Deposit HK$955K · loan HK$8.59M · min. income ≈ HK$83,286/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$324,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,594
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$44,763
−HK$1,186/mo
Today · 4.125%
HK$45,949
baseline
▲ 0.50% · 4.625%
HK$48,371
+HK$2,422/mo
Deposit HK$955K · loan HK$8.59M · min. income ≈ HK$91,898/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$324,708 · 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).