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$21,689
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$22,364
−HK$686/mo
Today · 4.125%
HK$23,050
baseline
▲ 0.50% · 4.625%
HK$24,452
+HK$1,402/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$46,100/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$321,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,129
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$24,776
−HK$657/mo
Today · 4.125%
HK$25,433
baseline
▲ 0.50% · 4.625%
HK$26,774
+HK$1,341/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$50,866/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$321,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,027
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$26,837
−HK$822/mo
Today · 4.125%
HK$27,659
baseline
▲ 0.50% · 4.625%
HK$29,342
+HK$1,683/mo
Deposit HK$3.80M · loan HK$5.71M · min. income ≈ HK$55,318/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$321,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,955
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$29,732
−HK$787/mo
Today · 4.125%
HK$30,519
baseline
▲ 0.50% · 4.625%
HK$32,128
+HK$1,609/mo
Deposit HK$3.80M · loan HK$5.71M · min. income ≈ HK$61,038/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$321,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,365
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$31,310
−HK$959/mo
Today · 4.125%
HK$32,269
baseline
▲ 0.50% · 4.625%
HK$34,233
+HK$1,964/mo
Deposit HK$2.85M · loan HK$6.66M · min. income ≈ HK$64,538/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$321,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,781
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$34,687
−HK$919/mo
Today · 4.125%
HK$35,606
baseline
▲ 0.50% · 4.625%
HK$37,483
+HK$1,877/mo
Deposit HK$2.85M · loan HK$6.66M · min. income ≈ HK$71,212/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$321,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,041
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$40,255
−HK$1,234/mo
Today · 4.125%
HK$41,489
baseline
▲ 0.50% · 4.625%
HK$44,014
+HK$2,525/mo
Deposit HK$951K · loan HK$8.56M · min. income ≈ HK$82,978/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$321,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,433
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$44,598
−HK$1,181/mo
Today · 4.125%
HK$45,779
baseline
▲ 0.50% · 4.625%
HK$48,192
+HK$2,413/mo
Deposit HK$951K · loan HK$8.56M · min. income ≈ HK$91,558/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$321,184 · 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).