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$21,709
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$22,384
−HK$686/mo
Today · 4.125%
HK$23,070
baseline
▲ 0.50% · 4.625%
HK$24,474
+HK$1,404/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$46,140/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$322,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,151
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$24,799
−HK$657/mo
Today · 4.125%
HK$25,456
baseline
▲ 0.50% · 4.625%
HK$26,798
+HK$1,342/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$50,912/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$322,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,051
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$26,861
−HK$823/mo
Today · 4.125%
HK$27,684
baseline
▲ 0.50% · 4.625%
HK$29,369
+HK$1,685/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$55,368/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$322,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,981
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$29,758
−HK$789/mo
Today · 4.125%
HK$30,547
baseline
▲ 0.50% · 4.625%
HK$32,157
+HK$1,610/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$61,094/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$322,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,392
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$31,338
−HK$960/mo
Today · 4.125%
HK$32,298
baseline
▲ 0.50% · 4.625%
HK$34,264
+HK$1,966/mo
Deposit HK$2.86M · loan HK$6.66M · min. income ≈ HK$64,596/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$322,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,811
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$34,718
−HK$920/mo
Today · 4.125%
HK$35,638
baseline
▲ 0.50% · 4.625%
HK$37,517
+HK$1,879/mo
Deposit HK$2.86M · loan HK$6.66M · min. income ≈ HK$71,276/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$322,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,076
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$40,291
−HK$1,235/mo
Today · 4.125%
HK$41,526
baseline
▲ 0.50% · 4.625%
HK$44,053
+HK$2,527/mo
Deposit HK$952K · loan HK$8.57M · min. income ≈ HK$83,052/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$322,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,472
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$44,638
−HK$1,182/mo
Today · 4.125%
HK$45,820
baseline
▲ 0.50% · 4.625%
HK$48,236
+HK$2,416/mo
Deposit HK$952K · loan HK$8.57M · min. income ≈ HK$91,640/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$322,037 · 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).