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$21,826
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$22,505
−HK$690/mo
Today · 4.125%
HK$23,195
baseline
▲ 0.50% · 4.625%
HK$24,606
+HK$1,411/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$46,390/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$327,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,281
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$24,933
−HK$660/mo
Today · 4.125%
HK$25,593
baseline
▲ 0.50% · 4.625%
HK$26,942
+HK$1,349/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$51,186/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$327,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,191
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$27,006
−HK$828/mo
Today · 4.125%
HK$27,834
baseline
▲ 0.50% · 4.625%
HK$29,527
+HK$1,693/mo
Deposit HK$3.83M · loan HK$5.74M · min. income ≈ HK$55,668/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$327,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,138
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$29,919
−HK$793/mo
Today · 4.125%
HK$30,712
baseline
▲ 0.50% · 4.625%
HK$32,331
+HK$1,619/mo
Deposit HK$3.83M · loan HK$5.74M · min. income ≈ HK$61,424/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$327,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,557
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$31,507
−HK$966/mo
Today · 4.125%
HK$32,473
baseline
▲ 0.50% · 4.625%
HK$34,449
+HK$1,976/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$64,946/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$327,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,994
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$34,906
−HK$924/mo
Today · 4.125%
HK$35,830
baseline
▲ 0.50% · 4.625%
HK$37,719
+HK$1,889/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$71,660/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$327,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,287
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$40,509
−HK$1,242/mo
Today · 4.125%
HK$41,751
baseline
▲ 0.50% · 4.625%
HK$44,291
+HK$2,540/mo
Deposit HK$957K · loan HK$8.61M · min. income ≈ HK$83,502/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$327,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,706
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$44,879
−HK$1,189/mo
Today · 4.125%
HK$46,068
baseline
▲ 0.50% · 4.625%
HK$48,496
+HK$2,428/mo
Deposit HK$957K · loan HK$8.61M · min. income ≈ HK$92,136/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$327,178 · 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).