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$21,742
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$22,418
−HK$687/mo
Today · 4.125%
HK$23,105
baseline
▲ 0.50% · 4.625%
HK$24,511
+HK$1,406/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$46,210/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$323,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,187
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$24,836
−HK$658/mo
Today · 4.125%
HK$25,494
baseline
▲ 0.50% · 4.625%
HK$26,838
+HK$1,344/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$50,988/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$323,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,090
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$26,902
−HK$824/mo
Today · 4.125%
HK$27,726
baseline
▲ 0.50% · 4.625%
HK$29,413
+HK$1,687/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$55,452/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$323,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,025
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$29,803
−HK$790/mo
Today · 4.125%
HK$30,593
baseline
▲ 0.50% · 4.625%
HK$32,206
+HK$1,613/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$61,186/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$323,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,438
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$31,385
−HK$962/mo
Today · 4.125%
HK$32,347
baseline
▲ 0.50% · 4.625%
HK$34,315
+HK$1,968/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$64,694/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$323,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,862
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$34,771
−HK$921/mo
Today · 4.125%
HK$35,692
baseline
▲ 0.50% · 4.625%
HK$37,573
+HK$1,881/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$71,384/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$323,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,135
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$40,352
−HK$1,237/mo
Today · 4.125%
HK$41,589
baseline
▲ 0.50% · 4.625%
HK$44,120
+HK$2,531/mo
Deposit HK$953K · loan HK$8.58M · min. income ≈ HK$83,178/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$323,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,537
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$44,705
−HK$1,185/mo
Today · 4.125%
HK$45,890
baseline
▲ 0.50% · 4.625%
HK$48,308
+HK$2,418/mo
Deposit HK$953K · loan HK$8.58M · min. income ≈ HK$91,780/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$323,476 · 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).