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$21,694
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$22,369
−HK$685/mo
Today · 4.125%
HK$23,054
baseline
▲ 0.50% · 4.625%
HK$24,457
+HK$1,403/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$46,108/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$321,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,134
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$24,781
−HK$657/mo
Today · 4.125%
HK$25,438
baseline
▲ 0.50% · 4.625%
HK$26,779
+HK$1,341/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$50,876/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$321,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,033
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$26,842
−HK$823/mo
Today · 4.125%
HK$27,665
baseline
▲ 0.50% · 4.625%
HK$29,348
+HK$1,683/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$55,330/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$321,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,961
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$29,738
−HK$788/mo
Today · 4.125%
HK$30,526
baseline
▲ 0.50% · 4.625%
HK$32,135
+HK$1,609/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$61,052/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$321,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,371
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$31,316
−HK$960/mo
Today · 4.125%
HK$32,276
baseline
▲ 0.50% · 4.625%
HK$34,240
+HK$1,964/mo
Deposit HK$2.85M · loan HK$6.66M · min. income ≈ HK$64,552/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$321,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,788
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$34,694
−HK$919/mo
Today · 4.125%
HK$35,613
baseline
▲ 0.50% · 4.625%
HK$37,491
+HK$1,878/mo
Deposit HK$2.85M · loan HK$6.66M · min. income ≈ HK$71,226/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$321,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,049
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$40,264
−HK$1,234/mo
Today · 4.125%
HK$41,498
baseline
▲ 0.50% · 4.625%
HK$44,023
+HK$2,525/mo
Deposit HK$951K · loan HK$8.56M · min. income ≈ HK$82,996/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$321,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,442
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$44,607
−HK$1,182/mo
Today · 4.125%
HK$45,789
baseline
▲ 0.50% · 4.625%
HK$48,202
+HK$2,413/mo
Deposit HK$951K · loan HK$8.56M · min. income ≈ HK$91,578/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$321,378 · 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).