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$21,720
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$22,396
−HK$686/mo
Today · 4.125%
HK$23,082
baseline
▲ 0.50% · 4.625%
HK$24,487
+HK$1,405/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$46,164/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$322,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,163
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$24,811
−HK$658/mo
Today · 4.125%
HK$25,469
baseline
▲ 0.50% · 4.625%
HK$26,811
+HK$1,342/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$50,938/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$322,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,064
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$26,875
−HK$824/mo
Today · 4.125%
HK$27,699
baseline
▲ 0.50% · 4.625%
HK$29,384
+HK$1,685/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$55,398/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$322,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,996
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$29,774
−HK$789/mo
Today · 4.125%
HK$30,563
baseline
▲ 0.50% · 4.625%
HK$32,174
+HK$1,611/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$61,126/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$322,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,408
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$31,354
−HK$961/mo
Today · 4.125%
HK$32,315
baseline
▲ 0.50% · 4.625%
HK$34,281
+HK$1,966/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$64,630/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$322,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,829
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$34,736
−HK$920/mo
Today · 4.125%
HK$35,656
baseline
▲ 0.50% · 4.625%
HK$37,536
+HK$1,880/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$71,312/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$322,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,096
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$40,312
−HK$1,236/mo
Today · 4.125%
HK$41,548
baseline
▲ 0.50% · 4.625%
HK$44,076
+HK$2,528/mo
Deposit HK$953K · loan HK$8.57M · min. income ≈ HK$83,096/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$322,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,494
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$44,661
−HK$1,183/mo
Today · 4.125%
HK$45,844
baseline
▲ 0.50% · 4.625%
HK$48,261
+HK$2,417/mo
Deposit HK$953K · loan HK$8.57M · min. income ≈ HK$91,688/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$322,530 · 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).