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$21,840
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$22,519
−HK$691/mo
Today · 4.125%
HK$23,210
baseline
▲ 0.50% · 4.625%
HK$24,622
+HK$1,412/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$46,420/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$327,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,297
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$24,948
−HK$661/mo
Today · 4.125%
HK$25,609
baseline
▲ 0.50% · 4.625%
HK$26,959
+HK$1,350/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$51,218/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$327,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,208
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$27,023
−HK$828/mo
Today · 4.125%
HK$27,851
baseline
▲ 0.50% · 4.625%
HK$29,546
+HK$1,695/mo
Deposit HK$3.83M · loan HK$5.75M · min. income ≈ HK$55,702/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$327,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,156
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$29,938
−HK$793/mo
Today · 4.125%
HK$30,731
baseline
▲ 0.50% · 4.625%
HK$32,351
+HK$1,620/mo
Deposit HK$3.83M · loan HK$5.75M · min. income ≈ HK$61,462/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$327,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,576
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$31,527
−HK$966/mo
Today · 4.125%
HK$32,493
baseline
▲ 0.50% · 4.625%
HK$34,471
+HK$1,978/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$64,986/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$327,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,015
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$34,928
−HK$925/mo
Today · 4.125%
HK$35,853
baseline
▲ 0.50% · 4.625%
HK$37,743
+HK$1,890/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$71,706/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$327,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,312
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$40,535
−HK$1,242/mo
Today · 4.125%
HK$41,777
baseline
▲ 0.50% · 4.625%
HK$44,319
+HK$2,542/mo
Deposit HK$958K · loan HK$8.62M · min. income ≈ HK$83,554/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$327,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,734
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$44,907
−HK$1,190/mo
Today · 4.125%
HK$46,097
baseline
▲ 0.50% · 4.625%
HK$48,527
+HK$2,430/mo
Deposit HK$958K · loan HK$8.62M · min. income ≈ HK$92,194/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$327,787 · 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).