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$21,729
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$22,405
−HK$687/mo
Today · 4.125%
HK$23,092
baseline
▲ 0.50% · 4.625%
HK$24,497
+HK$1,405/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$46,184/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$322,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,174
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$24,822
−HK$658/mo
Today · 4.125%
HK$25,480
baseline
▲ 0.50% · 4.625%
HK$26,823
+HK$1,343/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$50,960/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$322,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,075
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$26,886
−HK$824/mo
Today · 4.125%
HK$27,710
baseline
▲ 0.50% · 4.625%
HK$29,396
+HK$1,686/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$55,420/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$322,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,008
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$29,786
−HK$790/mo
Today · 4.125%
HK$30,576
baseline
▲ 0.50% · 4.625%
HK$32,187
+HK$1,611/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$61,152/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$322,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,421
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$31,367
−HK$962/mo
Today · 4.125%
HK$32,329
baseline
▲ 0.50% · 4.625%
HK$34,296
+HK$1,967/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$64,658/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$322,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,843
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$34,751
−HK$920/mo
Today · 4.125%
HK$35,671
baseline
▲ 0.50% · 4.625%
HK$37,552
+HK$1,881/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$71,342/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$322,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,113
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$40,329
−HK$1,236/mo
Today · 4.125%
HK$41,565
baseline
▲ 0.50% · 4.625%
HK$44,095
+HK$2,530/mo
Deposit HK$953K · loan HK$8.58M · min. income ≈ HK$83,130/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$322,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,513
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$44,679
−HK$1,184/mo
Today · 4.125%
HK$45,863
baseline
▲ 0.50% · 4.625%
HK$48,281
+HK$2,418/mo
Deposit HK$953K · loan HK$8.58M · min. income ≈ HK$91,726/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$322,932 · 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).