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$21,828
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$22,507
−HK$690/mo
Today · 4.125%
HK$23,197
baseline
▲ 0.50% · 4.625%
HK$24,609
+HK$1,412/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$46,394/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$327,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,284
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$24,935
−HK$661/mo
Today · 4.125%
HK$25,596
baseline
▲ 0.50% · 4.625%
HK$26,945
+HK$1,349/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$51,192/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$327,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,194
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$27,009
−HK$828/mo
Today · 4.125%
HK$27,837
baseline
▲ 0.50% · 4.625%
HK$29,530
+HK$1,693/mo
Deposit HK$3.83M · loan HK$5.74M · min. income ≈ HK$55,674/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$327,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,141
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$29,922
−HK$793/mo
Today · 4.125%
HK$30,715
baseline
▲ 0.50% · 4.625%
HK$32,334
+HK$1,619/mo
Deposit HK$3.83M · loan HK$5.74M · min. income ≈ HK$61,430/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$327,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,560
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$31,510
−HK$966/mo
Today · 4.125%
HK$32,476
baseline
▲ 0.50% · 4.625%
HK$34,452
+HK$1,976/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$64,952/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$327,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,997
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$34,909
−HK$925/mo
Today · 4.125%
HK$35,834
baseline
▲ 0.50% · 4.625%
HK$37,723
+HK$1,889/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$71,668/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$327,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,291
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$40,513
−HK$1,242/mo
Today · 4.125%
HK$41,755
baseline
▲ 0.50% · 4.625%
HK$44,296
+HK$2,541/mo
Deposit HK$957K · loan HK$8.62M · min. income ≈ HK$83,510/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$327,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,711
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$44,883
−HK$1,190/mo
Today · 4.125%
HK$46,073
baseline
▲ 0.50% · 4.625%
HK$48,501
+HK$2,428/mo
Deposit HK$957K · loan HK$8.62M · min. income ≈ HK$92,146/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$327,279 · 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).