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$21,843
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$22,523
−HK$690/mo
Today · 4.125%
HK$23,213
baseline
▲ 0.50% · 4.625%
HK$24,625
+HK$1,412/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$46,426/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$327,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,300
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$24,952
−HK$661/mo
Today · 4.125%
HK$25,613
baseline
▲ 0.50% · 4.625%
HK$26,963
+HK$1,350/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$51,226/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$327,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,212
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$27,027
−HK$828/mo
Today · 4.125%
HK$27,855
baseline
▲ 0.50% · 4.625%
HK$29,550
+HK$1,695/mo
Deposit HK$3.83M · loan HK$5.75M · min. income ≈ HK$55,710/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$327,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,160
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$29,942
−HK$794/mo
Today · 4.125%
HK$30,736
baseline
▲ 0.50% · 4.625%
HK$32,356
+HK$1,620/mo
Deposit HK$3.83M · loan HK$5.75M · min. income ≈ HK$61,472/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$327,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,580
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$31,532
−HK$966/mo
Today · 4.125%
HK$32,498
baseline
▲ 0.50% · 4.625%
HK$34,475
+HK$1,977/mo
Deposit HK$2.87M · loan HK$6.71M · min. income ≈ HK$64,996/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$327,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,020
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$34,933
−HK$925/mo
Today · 4.125%
HK$35,858
baseline
▲ 0.50% · 4.625%
HK$37,748
+HK$1,890/mo
Deposit HK$2.87M · loan HK$6.71M · min. income ≈ HK$71,716/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$327,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,318
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$40,541
−HK$1,242/mo
Today · 4.125%
HK$41,783
baseline
▲ 0.50% · 4.625%
HK$44,326
+HK$2,543/mo
Deposit HK$958K · loan HK$8.62M · min. income ≈ HK$83,566/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$327,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,740
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$44,913
−HK$1,191/mo
Today · 4.125%
HK$46,104
baseline
▲ 0.50% · 4.625%
HK$48,534
+HK$2,430/mo
Deposit HK$958K · loan HK$8.62M · min. income ≈ HK$92,208/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$327,923 · 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).