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$21,856
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$22,536
−HK$691/mo
Today · 4.125%
HK$23,227
baseline
▲ 0.50% · 4.625%
HK$24,640
+HK$1,413/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$46,454/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$328,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,315
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$24,967
−HK$662/mo
Today · 4.125%
HK$25,629
baseline
▲ 0.50% · 4.625%
HK$26,980
+HK$1,351/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$51,258/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$328,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,228
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$27,043
−HK$829/mo
Today · 4.125%
HK$27,872
baseline
▲ 0.50% · 4.625%
HK$29,568
+HK$1,696/mo
Deposit HK$3.83M · loan HK$5.75M · min. income ≈ HK$55,744/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$328,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,178
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$29,961
−HK$793/mo
Today · 4.125%
HK$30,754
baseline
▲ 0.50% · 4.625%
HK$32,375
+HK$1,621/mo
Deposit HK$3.83M · loan HK$5.75M · min. income ≈ HK$61,508/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$328,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,599
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$31,551
−HK$967/mo
Today · 4.125%
HK$32,518
baseline
▲ 0.50% · 4.625%
HK$34,496
+HK$1,978/mo
Deposit HK$2.88M · loan HK$6.71M · min. income ≈ HK$65,036/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$328,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,041
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$34,954
−HK$926/mo
Today · 4.125%
HK$35,880
baseline
▲ 0.50% · 4.625%
HK$37,771
+HK$1,891/mo
Deposit HK$2.88M · loan HK$6.71M · min. income ≈ HK$71,760/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$328,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,341
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$40,565
−HK$1,244/mo
Today · 4.125%
HK$41,809
baseline
▲ 0.50% · 4.625%
HK$44,352
+HK$2,543/mo
Deposit HK$959K · loan HK$8.63M · min. income ≈ HK$83,618/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$328,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,767
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$44,941
−HK$1,191/mo
Today · 4.125%
HK$46,132
baseline
▲ 0.50% · 4.625%
HK$48,563
+HK$2,431/mo
Deposit HK$959K · loan HK$8.63M · min. income ≈ HK$92,264/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$328,506 · 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).