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$21,851
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$22,531
−HK$691/mo
Today · 4.125%
HK$23,222
baseline
▲ 0.50% · 4.625%
HK$24,635
+HK$1,413/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$46,444/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$328,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,309
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$24,961
−HK$662/mo
Today · 4.125%
HK$25,623
baseline
▲ 0.50% · 4.625%
HK$26,973
+HK$1,350/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$51,246/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$328,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,222
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$27,037
−HK$829/mo
Today · 4.125%
HK$27,866
baseline
▲ 0.50% · 4.625%
HK$29,562
+HK$1,696/mo
Deposit HK$3.83M · loan HK$5.75M · min. income ≈ HK$55,732/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$328,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,171
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$29,954
−HK$793/mo
Today · 4.125%
HK$30,747
baseline
▲ 0.50% · 4.625%
HK$32,368
+HK$1,621/mo
Deposit HK$3.83M · loan HK$5.75M · min. income ≈ HK$61,494/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$328,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,592
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$31,544
−HK$966/mo
Today · 4.125%
HK$32,510
baseline
▲ 0.50% · 4.625%
HK$34,489
+HK$1,979/mo
Deposit HK$2.87M · loan HK$6.71M · min. income ≈ HK$65,020/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$328,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,033
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$34,946
−HK$926/mo
Today · 4.125%
HK$35,872
baseline
▲ 0.50% · 4.625%
HK$37,763
+HK$1,891/mo
Deposit HK$2.87M · loan HK$6.71M · min. income ≈ HK$71,744/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$328,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,333
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$40,556
−HK$1,243/mo
Today · 4.125%
HK$41,799
baseline
▲ 0.50% · 4.625%
HK$44,342
+HK$2,543/mo
Deposit HK$958K · loan HK$8.62M · min. income ≈ HK$83,598/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$328,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,757
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$44,931
−HK$1,190/mo
Today · 4.125%
HK$46,121
baseline
▲ 0.50% · 4.625%
HK$48,552
+HK$2,431/mo
Deposit HK$958K · loan HK$8.62M · min. income ≈ HK$92,242/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$328,287 · 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).