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$21,697
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$22,372
−HK$685/mo
Today · 4.125%
HK$23,057
baseline
▲ 0.50% · 4.625%
HK$24,460
+HK$1,403/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$46,114/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$321,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,138
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$24,785
−HK$657/mo
Today · 4.125%
HK$25,442
baseline
▲ 0.50% · 4.625%
HK$26,783
+HK$1,341/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$50,884/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$321,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,036
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$26,846
−HK$823/mo
Today · 4.125%
HK$27,669
baseline
▲ 0.50% · 4.625%
HK$29,353
+HK$1,684/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$55,338/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$321,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,965
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$29,742
−HK$788/mo
Today · 4.125%
HK$30,530
baseline
▲ 0.50% · 4.625%
HK$32,139
+HK$1,609/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$61,060/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$321,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,376
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$31,321
−HK$959/mo
Today · 4.125%
HK$32,280
baseline
▲ 0.50% · 4.625%
HK$34,245
+HK$1,965/mo
Deposit HK$2.85M · loan HK$6.66M · min. income ≈ HK$64,560/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$321,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,793
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$34,699
−HK$919/mo
Today · 4.125%
HK$35,618
baseline
▲ 0.50% · 4.625%
HK$37,496
+HK$1,878/mo
Deposit HK$2.85M · loan HK$6.66M · min. income ≈ HK$71,236/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$321,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,054
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$40,269
−HK$1,234/mo
Today · 4.125%
HK$41,503
baseline
▲ 0.50% · 4.625%
HK$44,029
+HK$2,526/mo
Deposit HK$952K · loan HK$8.56M · min. income ≈ HK$83,006/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$321,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,448
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$44,613
−HK$1,182/mo
Today · 4.125%
HK$45,795
baseline
▲ 0.50% · 4.625%
HK$48,209
+HK$2,414/mo
Deposit HK$952K · loan HK$8.56M · min. income ≈ HK$91,590/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$321,512 · 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).