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$21,855
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$22,535
−HK$691/mo
Today · 4.125%
HK$23,226
baseline
▲ 0.50% · 4.625%
HK$24,639
+HK$1,413/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$46,452/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$328,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,314
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$24,966
−HK$661/mo
Today · 4.125%
HK$25,627
baseline
▲ 0.50% · 4.625%
HK$26,978
+HK$1,351/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$51,254/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$328,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,226
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$27,042
−HK$829/mo
Today · 4.125%
HK$27,871
baseline
▲ 0.50% · 4.625%
HK$29,567
+HK$1,696/mo
Deposit HK$3.83M · loan HK$5.75M · min. income ≈ HK$55,742/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$328,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,177
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$29,959
−HK$794/mo
Today · 4.125%
HK$30,753
baseline
▲ 0.50% · 4.625%
HK$32,374
+HK$1,621/mo
Deposit HK$3.83M · loan HK$5.75M · min. income ≈ HK$61,506/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$328,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,597
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$31,549
−HK$967/mo
Today · 4.125%
HK$32,516
baseline
▲ 0.50% · 4.625%
HK$34,495
+HK$1,979/mo
Deposit HK$2.88M · loan HK$6.71M · min. income ≈ HK$65,032/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$328,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,039
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$34,952
−HK$926/mo
Today · 4.125%
HK$35,878
baseline
▲ 0.50% · 4.625%
HK$37,769
+HK$1,891/mo
Deposit HK$2.88M · loan HK$6.71M · min. income ≈ HK$71,756/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$328,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,339
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$40,563
−HK$1,243/mo
Today · 4.125%
HK$41,806
baseline
▲ 0.50% · 4.625%
HK$44,350
+HK$2,544/mo
Deposit HK$958K · loan HK$8.63M · min. income ≈ HK$83,612/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$328,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,765
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$44,939
−HK$1,190/mo
Today · 4.125%
HK$46,129
baseline
▲ 0.50% · 4.625%
HK$48,561
+HK$2,432/mo
Deposit HK$958K · loan HK$8.63M · min. income ≈ HK$92,258/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$328,457 · 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).