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$21,750
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$22,427
−HK$687/mo
Today · 4.125%
HK$23,114
baseline
▲ 0.50% · 4.625%
HK$24,521
+HK$1,407/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$46,228/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$323,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,197
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$24,846
−HK$658/mo
Today · 4.125%
HK$25,504
baseline
▲ 0.50% · 4.625%
HK$26,849
+HK$1,345/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$51,008/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$323,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,100
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$26,912
−HK$825/mo
Today · 4.125%
HK$27,737
baseline
▲ 0.50% · 4.625%
HK$29,425
+HK$1,688/mo
Deposit HK$3.82M · loan HK$5.72M · min. income ≈ HK$55,474/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$323,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,037
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$29,815
−HK$790/mo
Today · 4.125%
HK$30,605
baseline
▲ 0.50% · 4.625%
HK$32,219
+HK$1,614/mo
Deposit HK$3.82M · loan HK$5.72M · min. income ≈ HK$61,210/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$323,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,451
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$31,398
−HK$962/mo
Today · 4.125%
HK$32,360
baseline
▲ 0.50% · 4.625%
HK$34,329
+HK$1,969/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$64,720/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$323,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,876
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$34,784
−HK$922/mo
Today · 4.125%
HK$35,706
baseline
▲ 0.50% · 4.625%
HK$37,588
+HK$1,882/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$71,412/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$323,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,151
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$40,369
−HK$1,237/mo
Today · 4.125%
HK$41,606
baseline
▲ 0.50% · 4.625%
HK$44,137
+HK$2,531/mo
Deposit HK$954K · loan HK$8.58M · min. income ≈ HK$83,212/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$323,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,555
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$44,723
−HK$1,185/mo
Today · 4.125%
HK$45,908
baseline
▲ 0.50% · 4.625%
HK$48,328
+HK$2,420/mo
Deposit HK$954K · loan HK$8.58M · min. income ≈ HK$91,816/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$323,859 · 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).