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$21,857
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$22,537
−HK$691/mo
Today · 4.125%
HK$23,228
baseline
▲ 0.50% · 4.625%
HK$24,641
+HK$1,413/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$46,456/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$328,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,316
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$24,968
−HK$662/mo
Today · 4.125%
HK$25,630
baseline
▲ 0.50% · 4.625%
HK$26,981
+HK$1,351/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$51,260/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$328,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,229
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$27,045
−HK$828/mo
Today · 4.125%
HK$27,873
baseline
▲ 0.50% · 4.625%
HK$29,569
+HK$1,696/mo
Deposit HK$3.83M · loan HK$5.75M · min. income ≈ HK$55,746/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$328,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,179
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$29,962
−HK$794/mo
Today · 4.125%
HK$30,756
baseline
▲ 0.50% · 4.625%
HK$32,377
+HK$1,621/mo
Deposit HK$3.83M · loan HK$5.75M · min. income ≈ HK$61,512/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$328,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,600
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$31,552
−HK$967/mo
Today · 4.125%
HK$32,519
baseline
▲ 0.50% · 4.625%
HK$34,498
+HK$1,979/mo
Deposit HK$2.88M · loan HK$6.71M · min. income ≈ HK$65,038/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$328,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,042
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$34,955
−HK$926/mo
Today · 4.125%
HK$35,881
baseline
▲ 0.50% · 4.625%
HK$37,773
+HK$1,892/mo
Deposit HK$2.88M · loan HK$6.71M · min. income ≈ HK$71,762/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$328,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,343
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$40,567
−HK$1,243/mo
Today · 4.125%
HK$41,810
baseline
▲ 0.50% · 4.625%
HK$44,354
+HK$2,544/mo
Deposit HK$959K · loan HK$8.63M · min. income ≈ HK$83,620/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$328,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,769
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$44,943
−HK$1,190/mo
Today · 4.125%
HK$46,133
baseline
▲ 0.50% · 4.625%
HK$48,565
+HK$2,432/mo
Deposit HK$959K · loan HK$8.63M · min. income ≈ HK$92,266/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$328,542 · 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).