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$21,708
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$22,383
−HK$686/mo
Today · 4.125%
HK$23,069
baseline
▲ 0.50% · 4.625%
HK$24,473
+HK$1,404/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$46,138/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$321,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,150
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$24,797
−HK$657/mo
Today · 4.125%
HK$25,454
baseline
▲ 0.50% · 4.625%
HK$26,796
+HK$1,342/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$50,908/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$321,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,049
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$26,859
−HK$824/mo
Today · 4.125%
HK$27,683
baseline
▲ 0.50% · 4.625%
HK$29,367
+HK$1,684/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$55,366/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$321,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,979
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$29,757
−HK$788/mo
Today · 4.125%
HK$30,545
baseline
▲ 0.50% · 4.625%
HK$32,155
+HK$1,610/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$61,090/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$321,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,391
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$31,336
−HK$960/mo
Today · 4.125%
HK$32,296
baseline
▲ 0.50% · 4.625%
HK$34,262
+HK$1,966/mo
Deposit HK$2.86M · loan HK$6.66M · min. income ≈ HK$64,592/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$321,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,809
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$34,716
−HK$920/mo
Today · 4.125%
HK$35,636
baseline
▲ 0.50% · 4.625%
HK$37,514
+HK$1,878/mo
Deposit HK$2.86M · loan HK$6.66M · min. income ≈ HK$71,272/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$321,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,074
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$40,289
−HK$1,235/mo
Today · 4.125%
HK$41,524
baseline
▲ 0.50% · 4.625%
HK$44,051
+HK$2,527/mo
Deposit HK$952K · loan HK$8.57M · min. income ≈ HK$83,048/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$321,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,469
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$44,635
−HK$1,183/mo
Today · 4.125%
HK$45,818
baseline
▲ 0.50% · 4.625%
HK$48,233
+HK$2,415/mo
Deposit HK$952K · loan HK$8.57M · min. income ≈ HK$91,636/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$321,983 · 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).