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$21,700
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$22,375
−HK$686/mo
Today · 4.125%
HK$23,061
baseline
▲ 0.50% · 4.625%
HK$24,464
+HK$1,403/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$46,122/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$321,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,141
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$24,788
−HK$657/mo
Today · 4.125%
HK$25,445
baseline
▲ 0.50% · 4.625%
HK$26,786
+HK$1,341/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$50,890/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$321,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,040
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$26,850
−HK$823/mo
Today · 4.125%
HK$27,673
baseline
▲ 0.50% · 4.625%
HK$29,357
+HK$1,684/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$55,346/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$321,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,969
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$29,746
−HK$788/mo
Today · 4.125%
HK$30,534
baseline
▲ 0.50% · 4.625%
HK$32,144
+HK$1,610/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$61,068/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$321,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,380
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$31,325
−HK$960/mo
Today · 4.125%
HK$32,285
baseline
▲ 0.50% · 4.625%
HK$34,249
+HK$1,964/mo
Deposit HK$2.85M · loan HK$6.66M · min. income ≈ HK$64,570/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$321,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,797
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$34,704
−HK$919/mo
Today · 4.125%
HK$35,623
baseline
▲ 0.50% · 4.625%
HK$37,501
+HK$1,878/mo
Deposit HK$2.85M · loan HK$6.66M · min. income ≈ HK$71,246/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$321,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,060
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$40,275
−HK$1,234/mo
Today · 4.125%
HK$41,509
baseline
▲ 0.50% · 4.625%
HK$44,035
+HK$2,526/mo
Deposit HK$952K · loan HK$8.56M · min. income ≈ HK$83,018/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$321,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,454
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$44,619
−HK$1,182/mo
Today · 4.125%
HK$45,801
baseline
▲ 0.50% · 4.625%
HK$48,216
+HK$2,415/mo
Deposit HK$952K · loan HK$8.56M · min. income ≈ HK$91,602/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$321,646 · 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).