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$21,854
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$22,533
−HK$691/mo
Today · 4.125%
HK$23,224
baseline
▲ 0.50% · 4.625%
HK$24,637
+HK$1,413/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$46,448/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$328,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,312
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$24,964
−HK$661/mo
Today · 4.125%
HK$25,625
baseline
▲ 0.50% · 4.625%
HK$26,976
+HK$1,351/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$51,250/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$328,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,224
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$27,040
−HK$829/mo
Today · 4.125%
HK$27,869
baseline
▲ 0.50% · 4.625%
HK$29,565
+HK$1,696/mo
Deposit HK$3.83M · loan HK$5.75M · min. income ≈ HK$55,738/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$328,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,174
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$29,957
−HK$793/mo
Today · 4.125%
HK$30,750
baseline
▲ 0.50% · 4.625%
HK$32,371
+HK$1,621/mo
Deposit HK$3.83M · loan HK$5.75M · min. income ≈ HK$61,500/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$328,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,595
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$31,547
−HK$967/mo
Today · 4.125%
HK$32,514
baseline
▲ 0.50% · 4.625%
HK$34,492
+HK$1,978/mo
Deposit HK$2.88M · loan HK$6.71M · min. income ≈ HK$65,028/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$328,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,037
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$34,949
−HK$927/mo
Today · 4.125%
HK$35,876
baseline
▲ 0.50% · 4.625%
HK$37,767
+HK$1,891/mo
Deposit HK$2.88M · loan HK$6.71M · min. income ≈ HK$71,752/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$328,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,336
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$40,560
−HK$1,243/mo
Today · 4.125%
HK$41,803
baseline
▲ 0.50% · 4.625%
HK$44,347
+HK$2,544/mo
Deposit HK$958K · loan HK$8.63M · min. income ≈ HK$83,606/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$328,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,761
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$44,935
−HK$1,191/mo
Today · 4.125%
HK$46,126
baseline
▲ 0.50% · 4.625%
HK$48,557
+HK$2,431/mo
Deposit HK$958K · loan HK$8.63M · min. income ≈ HK$92,252/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$328,382 · 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).