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$21,864
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$22,544
−HK$691/mo
Today · 4.125%
HK$23,235
baseline
▲ 0.50% · 4.625%
HK$24,649
+HK$1,414/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$46,470/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$328,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,323
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$24,976
−HK$662/mo
Today · 4.125%
HK$25,638
baseline
▲ 0.50% · 4.625%
HK$26,989
+HK$1,351/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$51,276/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$328,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,237
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$27,053
−HK$829/mo
Today · 4.125%
HK$27,882
baseline
▲ 0.50% · 4.625%
HK$29,579
+HK$1,697/mo
Deposit HK$3.84M · loan HK$5.75M · min. income ≈ HK$55,764/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$328,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,188
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$29,971
−HK$794/mo
Today · 4.125%
HK$30,765
baseline
▲ 0.50% · 4.625%
HK$32,387
+HK$1,622/mo
Deposit HK$3.84M · loan HK$5.75M · min. income ≈ HK$61,530/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$328,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,610
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$31,562
−HK$967/mo
Today · 4.125%
HK$32,529
baseline
▲ 0.50% · 4.625%
HK$34,508
+HK$1,979/mo
Deposit HK$2.88M · loan HK$6.71M · min. income ≈ HK$65,058/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$328,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,053
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$34,966
−HK$927/mo
Today · 4.125%
HK$35,893
baseline
▲ 0.50% · 4.625%
HK$37,785
+HK$1,892/mo
Deposit HK$2.88M · loan HK$6.71M · min. income ≈ HK$71,786/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$328,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,355
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$40,579
−HK$1,244/mo
Today · 4.125%
HK$41,823
baseline
▲ 0.50% · 4.625%
HK$44,368
+HK$2,545/mo
Deposit HK$959K · loan HK$8.63M · min. income ≈ HK$83,646/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$328,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,782
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$44,956
−HK$1,192/mo
Today · 4.125%
HK$46,148
baseline
▲ 0.50% · 4.625%
HK$48,580
+HK$2,432/mo
Deposit HK$959K · loan HK$8.63M · min. income ≈ HK$92,296/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$328,840 · 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).