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$21,849
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$22,529
−HK$690/mo
Today · 4.125%
HK$23,219
baseline
▲ 0.50% · 4.625%
HK$24,632
+HK$1,413/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$46,438/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$328,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,307
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$24,959
−HK$661/mo
Today · 4.125%
HK$25,620
baseline
▲ 0.50% · 4.625%
HK$26,971
+HK$1,351/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$51,240/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$328,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,219
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$27,035
−HK$828/mo
Today · 4.125%
HK$27,863
baseline
▲ 0.50% · 4.625%
HK$29,559
+HK$1,696/mo
Deposit HK$3.83M · loan HK$5.75M · min. income ≈ HK$55,726/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$328,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,169
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$29,951
−HK$794/mo
Today · 4.125%
HK$30,745
baseline
▲ 0.50% · 4.625%
HK$32,365
+HK$1,620/mo
Deposit HK$3.83M · loan HK$5.75M · min. income ≈ HK$61,490/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$328,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,589
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$31,541
−HK$966/mo
Today · 4.125%
HK$32,507
baseline
▲ 0.50% · 4.625%
HK$34,485
+HK$1,978/mo
Deposit HK$2.87M · loan HK$6.71M · min. income ≈ HK$65,014/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$328,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,030
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$34,943
−HK$926/mo
Today · 4.125%
HK$35,869
baseline
▲ 0.50% · 4.625%
HK$37,759
+HK$1,890/mo
Deposit HK$2.87M · loan HK$6.71M · min. income ≈ HK$71,738/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$328,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,329
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$40,552
−HK$1,243/mo
Today · 4.125%
HK$41,795
baseline
▲ 0.50% · 4.625%
HK$44,338
+HK$2,543/mo
Deposit HK$958K · loan HK$8.62M · min. income ≈ HK$83,590/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$328,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,753
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$44,926
−HK$1,191/mo
Today · 4.125%
HK$46,117
baseline
▲ 0.50% · 4.625%
HK$48,548
+HK$2,431/mo
Deposit HK$958K · loan HK$8.62M · min. income ≈ HK$92,234/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$328,198 · 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).