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$21,743
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$22,419
−HK$687/mo
Today · 4.125%
HK$23,106
baseline
▲ 0.50% · 4.625%
HK$24,512
+HK$1,406/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$46,212/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$323,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,189
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$24,838
−HK$658/mo
Today · 4.125%
HK$25,496
baseline
▲ 0.50% · 4.625%
HK$26,840
+HK$1,344/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$50,992/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$323,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,092
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$26,903
−HK$825/mo
Today · 4.125%
HK$27,728
baseline
▲ 0.50% · 4.625%
HK$29,415
+HK$1,687/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$55,456/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$323,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,027
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$29,805
−HK$790/mo
Today · 4.125%
HK$30,595
baseline
▲ 0.50% · 4.625%
HK$32,208
+HK$1,613/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$61,190/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$323,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,440
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$31,387
−HK$962/mo
Today · 4.125%
HK$32,349
baseline
▲ 0.50% · 4.625%
HK$34,317
+HK$1,968/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$64,698/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$323,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,864
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$34,773
−HK$921/mo
Today · 4.125%
HK$35,694
baseline
▲ 0.50% · 4.625%
HK$37,575
+HK$1,881/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$71,388/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$323,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,137
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$40,355
−HK$1,237/mo
Today · 4.125%
HK$41,592
baseline
▲ 0.50% · 4.625%
HK$44,122
+HK$2,530/mo
Deposit HK$954K · loan HK$8.58M · min. income ≈ HK$83,184/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$323,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,540
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$44,708
−HK$1,184/mo
Today · 4.125%
HK$45,892
baseline
▲ 0.50% · 4.625%
HK$48,311
+HK$2,419/mo
Deposit HK$954K · loan HK$8.58M · min. income ≈ HK$91,784/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$323,533 · 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).