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$21,733
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$22,409
−HK$687/mo
Today · 4.125%
HK$23,096
baseline
▲ 0.50% · 4.625%
HK$24,502
+HK$1,406/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$46,192/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$323,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,178
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$24,827
−HK$657/mo
Today · 4.125%
HK$25,484
baseline
▲ 0.50% · 4.625%
HK$26,828
+HK$1,344/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$50,968/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$323,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,080
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$26,891
−HK$824/mo
Today · 4.125%
HK$27,715
baseline
▲ 0.50% · 4.625%
HK$29,402
+HK$1,687/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$55,430/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$323,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,014
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$29,792
−HK$789/mo
Today · 4.125%
HK$30,581
baseline
▲ 0.50% · 4.625%
HK$32,193
+HK$1,612/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$61,162/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$323,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,427
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$31,373
−HK$962/mo
Today · 4.125%
HK$32,335
baseline
▲ 0.50% · 4.625%
HK$34,302
+HK$1,967/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$64,670/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$323,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,849
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$34,757
−HK$921/mo
Today · 4.125%
HK$35,678
baseline
▲ 0.50% · 4.625%
HK$37,559
+HK$1,881/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$71,356/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$323,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,120
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$40,337
−HK$1,236/mo
Today · 4.125%
HK$41,573
baseline
▲ 0.50% · 4.625%
HK$44,103
+HK$2,530/mo
Deposit HK$953K · loan HK$8.58M · min. income ≈ HK$83,146/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$323,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,521
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$44,688
−HK$1,184/mo
Today · 4.125%
HK$45,872
baseline
▲ 0.50% · 4.625%
HK$48,290
+HK$2,418/mo
Deposit HK$953K · loan HK$8.58M · min. income ≈ HK$91,744/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$323,108 · 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).