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$21,707
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$22,382
−HK$686/mo
Today · 4.125%
HK$23,068
baseline
▲ 0.50% · 4.625%
HK$24,472
+HK$1,404/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$46,136/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$321,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,149
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$24,796
−HK$657/mo
Today · 4.125%
HK$25,453
baseline
▲ 0.50% · 4.625%
HK$26,795
+HK$1,342/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$50,906/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$321,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,048
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$26,859
−HK$823/mo
Today · 4.125%
HK$27,682
baseline
▲ 0.50% · 4.625%
HK$29,366
+HK$1,684/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$55,364/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$321,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,978
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$29,756
−HK$788/mo
Today · 4.125%
HK$30,544
baseline
▲ 0.50% · 4.625%
HK$32,154
+HK$1,610/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$61,088/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$321,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,390
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$31,335
−HK$960/mo
Today · 4.125%
HK$32,295
baseline
▲ 0.50% · 4.625%
HK$34,260
+HK$1,965/mo
Deposit HK$2.86M · loan HK$6.66M · min. income ≈ HK$64,590/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$321,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,808
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$34,715
−HK$920/mo
Today · 4.125%
HK$35,635
baseline
▲ 0.50% · 4.625%
HK$37,513
+HK$1,878/mo
Deposit HK$2.86M · loan HK$6.66M · min. income ≈ HK$71,270/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$321,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,072
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$40,288
−HK$1,235/mo
Today · 4.125%
HK$41,523
baseline
▲ 0.50% · 4.625%
HK$44,049
+HK$2,526/mo
Deposit HK$952K · loan HK$8.57M · min. income ≈ HK$83,046/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$321,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,468
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$44,633
−HK$1,183/mo
Today · 4.125%
HK$45,816
baseline
▲ 0.50% · 4.625%
HK$48,231
+HK$2,415/mo
Deposit HK$952K · loan HK$8.57M · min. income ≈ HK$91,632/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$321,950 · 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).