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$21,704
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$22,379
−HK$686/mo
Today · 4.125%
HK$23,065
baseline
▲ 0.50% · 4.625%
HK$24,468
+HK$1,403/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$46,130/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$321,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,145
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$24,793
−HK$656/mo
Today · 4.125%
HK$25,449
baseline
▲ 0.50% · 4.625%
HK$26,791
+HK$1,342/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$50,898/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$321,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,044
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$26,854
−HK$823/mo
Today · 4.125%
HK$27,677
baseline
▲ 0.50% · 4.625%
HK$29,362
+HK$1,685/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$55,354/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$321,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,974
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$29,751
−HK$788/mo
Today · 4.125%
HK$30,539
baseline
▲ 0.50% · 4.625%
HK$32,149
+HK$1,610/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$61,078/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$321,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,385
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$31,330
−HK$960/mo
Today · 4.125%
HK$32,290
baseline
▲ 0.50% · 4.625%
HK$34,255
+HK$1,965/mo
Deposit HK$2.86M · loan HK$6.66M · min. income ≈ HK$64,580/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$321,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,803
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$34,710
−HK$919/mo
Today · 4.125%
HK$35,629
baseline
▲ 0.50% · 4.625%
HK$37,507
+HK$1,878/mo
Deposit HK$2.86M · loan HK$6.66M · min. income ≈ HK$71,258/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$321,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,066
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$40,282
−HK$1,234/mo
Today · 4.125%
HK$41,516
baseline
▲ 0.50% · 4.625%
HK$44,042
+HK$2,526/mo
Deposit HK$952K · loan HK$8.57M · min. income ≈ HK$83,032/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$321,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,461
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$44,627
−HK$1,182/mo
Today · 4.125%
HK$45,809
baseline
▲ 0.50% · 4.625%
HK$48,224
+HK$2,415/mo
Deposit HK$952K · loan HK$8.57M · min. income ≈ HK$91,618/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$321,803 · 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).