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$21,687
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$22,361
−HK$686/mo
Today · 4.125%
HK$23,047
baseline
▲ 0.50% · 4.625%
HK$24,449
+HK$1,402/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$46,094/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$321,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,126
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$24,773
−HK$657/mo
Today · 4.125%
HK$25,430
baseline
▲ 0.50% · 4.625%
HK$26,770
+HK$1,340/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$50,860/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$321,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,024
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$26,834
−HK$822/mo
Today · 4.125%
HK$27,656
baseline
▲ 0.50% · 4.625%
HK$29,339
+HK$1,683/mo
Deposit HK$3.80M · loan HK$5.71M · min. income ≈ HK$55,312/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$321,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,952
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$29,728
−HK$788/mo
Today · 4.125%
HK$30,516
baseline
▲ 0.50% · 4.625%
HK$32,124
+HK$1,608/mo
Deposit HK$3.80M · loan HK$5.71M · min. income ≈ HK$61,032/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$321,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,362
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$31,306
−HK$959/mo
Today · 4.125%
HK$32,265
baseline
▲ 0.50% · 4.625%
HK$34,229
+HK$1,964/mo
Deposit HK$2.85M · loan HK$6.66M · min. income ≈ HK$64,530/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$321,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,777
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$34,683
−HK$919/mo
Today · 4.125%
HK$35,602
baseline
▲ 0.50% · 4.625%
HK$37,478
+HK$1,876/mo
Deposit HK$2.85M · loan HK$6.66M · min. income ≈ HK$71,204/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$321,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,036
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$40,251
−HK$1,233/mo
Today · 4.125%
HK$41,484
baseline
▲ 0.50% · 4.625%
HK$44,008
+HK$2,524/mo
Deposit HK$951K · loan HK$8.56M · min. income ≈ HK$82,968/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$321,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,427
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$44,592
−HK$1,182/mo
Today · 4.125%
HK$45,774
baseline
▲ 0.50% · 4.625%
HK$48,187
+HK$2,413/mo
Deposit HK$951K · loan HK$8.56M · min. income ≈ HK$91,548/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$321,070 · 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).