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$21,724
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$22,399
−HK$687/mo
Today · 4.125%
HK$23,086
baseline
▲ 0.50% · 4.625%
HK$24,490
+HK$1,404/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$46,172/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$322,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,167
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$24,815
−HK$658/mo
Today · 4.125%
HK$25,473
baseline
▲ 0.50% · 4.625%
HK$26,816
+HK$1,343/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$50,946/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$322,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,068
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$26,879
−HK$824/mo
Today · 4.125%
HK$27,703
baseline
▲ 0.50% · 4.625%
HK$29,389
+HK$1,686/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$55,406/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$322,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,001
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$29,778
−HK$789/mo
Today · 4.125%
HK$30,567
baseline
▲ 0.50% · 4.625%
HK$32,179
+HK$1,612/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$61,134/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$322,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,413
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$31,359
−HK$961/mo
Today · 4.125%
HK$32,320
baseline
▲ 0.50% · 4.625%
HK$34,287
+HK$1,967/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$64,640/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$322,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,834
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$34,741
−HK$921/mo
Today · 4.125%
HK$35,662
baseline
▲ 0.50% · 4.625%
HK$37,542
+HK$1,880/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$71,324/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$322,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,102
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$40,319
−HK$1,235/mo
Today · 4.125%
HK$41,554
baseline
▲ 0.50% · 4.625%
HK$44,083
+HK$2,529/mo
Deposit HK$953K · loan HK$8.57M · min. income ≈ HK$83,108/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$322,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,501
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$44,668
−HK$1,183/mo
Today · 4.125%
HK$45,851
baseline
▲ 0.50% · 4.625%
HK$48,268
+HK$2,417/mo
Deposit HK$953K · loan HK$8.57M · min. income ≈ HK$91,702/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$322,679 · 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).