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$21,734
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$22,410
−HK$687/mo
Today · 4.125%
HK$23,097
baseline
▲ 0.50% · 4.625%
HK$24,502
+HK$1,405/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$46,194/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$323,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,179
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$24,827
−HK$658/mo
Today · 4.125%
HK$25,485
baseline
▲ 0.50% · 4.625%
HK$26,828
+HK$1,343/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$50,970/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$323,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,081
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$26,892
−HK$824/mo
Today · 4.125%
HK$27,716
baseline
▲ 0.50% · 4.625%
HK$29,402
+HK$1,686/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$55,432/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$323,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,014
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$29,792
−HK$790/mo
Today · 4.125%
HK$30,582
baseline
▲ 0.50% · 4.625%
HK$32,194
+HK$1,612/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$61,164/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$323,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,427
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$31,374
−HK$961/mo
Today · 4.125%
HK$32,335
baseline
▲ 0.50% · 4.625%
HK$34,303
+HK$1,968/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$64,670/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$323,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,850
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$34,758
−HK$921/mo
Today · 4.125%
HK$35,679
baseline
▲ 0.50% · 4.625%
HK$37,560
+HK$1,881/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$71,358/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$323,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,121
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$40,338
−HK$1,236/mo
Today · 4.125%
HK$41,574
baseline
▲ 0.50% · 4.625%
HK$44,104
+HK$2,530/mo
Deposit HK$953K · loan HK$8.58M · min. income ≈ HK$83,148/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$323,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,522
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$44,689
−HK$1,184/mo
Today · 4.125%
HK$45,873
baseline
▲ 0.50% · 4.625%
HK$48,291
+HK$2,418/mo
Deposit HK$953K · loan HK$8.58M · min. income ≈ HK$91,746/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$323,130 · 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).