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$21,703
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$22,378
−HK$686/mo
Today · 4.125%
HK$23,064
baseline
▲ 0.50% · 4.625%
HK$24,467
+HK$1,403/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$46,128/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$321,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,144
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$24,792
−HK$656/mo
Today · 4.125%
HK$25,448
baseline
▲ 0.50% · 4.625%
HK$26,790
+HK$1,342/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$50,896/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$321,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,043
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$26,853
−HK$823/mo
Today · 4.125%
HK$27,676
baseline
▲ 0.50% · 4.625%
HK$29,360
+HK$1,684/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$55,352/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$321,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,973
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$29,750
−HK$788/mo
Today · 4.125%
HK$30,538
baseline
▲ 0.50% · 4.625%
HK$32,148
+HK$1,610/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$61,076/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$321,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,384
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$31,329
−HK$960/mo
Today · 4.125%
HK$32,289
baseline
▲ 0.50% · 4.625%
HK$34,254
+HK$1,965/mo
Deposit HK$2.86M · loan HK$6.66M · min. income ≈ HK$64,578/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$321,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,802
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$34,708
−HK$920/mo
Today · 4.125%
HK$35,628
baseline
▲ 0.50% · 4.625%
HK$37,506
+HK$1,878/mo
Deposit HK$2.86M · loan HK$6.66M · min. income ≈ HK$71,256/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$321,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,065
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$40,280
−HK$1,235/mo
Today · 4.125%
HK$41,515
baseline
▲ 0.50% · 4.625%
HK$44,041
+HK$2,526/mo
Deposit HK$952K · loan HK$8.57M · min. income ≈ HK$83,030/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$321,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,459
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$44,625
−HK$1,182/mo
Today · 4.125%
HK$45,807
baseline
▲ 0.50% · 4.625%
HK$48,222
+HK$2,415/mo
Deposit HK$952K · loan HK$8.57M · min. income ≈ HK$91,614/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$321,766 · 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).