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$21,698
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$22,373
−HK$685/mo
Today · 4.125%
HK$23,058
baseline
▲ 0.50% · 4.625%
HK$24,462
+HK$1,404/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$46,116/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$321,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,139
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$24,786
−HK$657/mo
Today · 4.125%
HK$25,443
baseline
▲ 0.50% · 4.625%
HK$26,784
+HK$1,341/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$50,886/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$321,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,037
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$26,847
−HK$823/mo
Today · 4.125%
HK$27,670
baseline
▲ 0.50% · 4.625%
HK$29,354
+HK$1,684/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$55,340/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$321,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,966
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$29,743
−HK$788/mo
Today · 4.125%
HK$30,531
baseline
▲ 0.50% · 4.625%
HK$32,141
+HK$1,610/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$61,062/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$321,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,377
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$31,322
−HK$960/mo
Today · 4.125%
HK$32,282
baseline
▲ 0.50% · 4.625%
HK$34,246
+HK$1,964/mo
Deposit HK$2.85M · loan HK$6.66M · min. income ≈ HK$64,564/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$321,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,794
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$34,700
−HK$920/mo
Today · 4.125%
HK$35,620
baseline
▲ 0.50% · 4.625%
HK$37,497
+HK$1,877/mo
Deposit HK$2.85M · loan HK$6.66M · min. income ≈ HK$71,240/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$321,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,056
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$40,271
−HK$1,234/mo
Today · 4.125%
HK$41,505
baseline
▲ 0.50% · 4.625%
HK$44,031
+HK$2,526/mo
Deposit HK$952K · loan HK$8.56M · min. income ≈ HK$83,010/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$321,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,449
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$44,615
−HK$1,182/mo
Today · 4.125%
HK$45,797
baseline
▲ 0.50% · 4.625%
HK$48,211
+HK$2,414/mo
Deposit HK$952K · loan HK$8.56M · min. income ≈ HK$91,594/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$321,552 · 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).