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$21,831
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$22,510
−HK$690/mo
Today · 4.125%
HK$23,200
baseline
▲ 0.50% · 4.625%
HK$24,611
+HK$1,411/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$46,400/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$327,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,287
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$24,938
−HK$661/mo
Today · 4.125%
HK$25,599
baseline
▲ 0.50% · 4.625%
HK$26,948
+HK$1,349/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$51,198/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$327,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,197
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$27,012
−HK$828/mo
Today · 4.125%
HK$27,840
baseline
▲ 0.50% · 4.625%
HK$29,534
+HK$1,694/mo
Deposit HK$3.83M · loan HK$5.74M · min. income ≈ HK$55,680/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$327,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,144
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$29,925
−HK$793/mo
Today · 4.125%
HK$30,718
baseline
▲ 0.50% · 4.625%
HK$32,338
+HK$1,620/mo
Deposit HK$3.83M · loan HK$5.74M · min. income ≈ HK$61,436/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$327,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,563
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$31,514
−HK$966/mo
Today · 4.125%
HK$32,480
baseline
▲ 0.50% · 4.625%
HK$34,456
+HK$1,976/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$64,960/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$327,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,001
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$34,913
−HK$925/mo
Today · 4.125%
HK$35,838
baseline
▲ 0.50% · 4.625%
HK$37,727
+HK$1,889/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$71,676/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$327,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,295
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$40,518
−HK$1,242/mo
Today · 4.125%
HK$41,760
baseline
▲ 0.50% · 4.625%
HK$44,301
+HK$2,541/mo
Deposit HK$957K · loan HK$8.62M · min. income ≈ HK$83,520/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$327,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,716
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$44,888
−HK$1,190/mo
Today · 4.125%
HK$46,078
baseline
▲ 0.50% · 4.625%
HK$48,506
+HK$2,428/mo
Deposit HK$957K · loan HK$8.62M · min. income ≈ HK$92,156/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$327,383 · 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).