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$21,692
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$22,367
−HK$686/mo
Today · 4.125%
HK$23,053
baseline
▲ 0.50% · 4.625%
HK$24,455
+HK$1,402/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$46,106/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$321,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,132
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$24,780
−HK$656/mo
Today · 4.125%
HK$25,436
baseline
▲ 0.50% · 4.625%
HK$26,777
+HK$1,341/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$50,872/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$321,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,031
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$26,840
−HK$823/mo
Today · 4.125%
HK$27,663
baseline
▲ 0.50% · 4.625%
HK$29,346
+HK$1,683/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$55,326/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$321,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,959
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$29,736
−HK$788/mo
Today · 4.125%
HK$30,524
baseline
▲ 0.50% · 4.625%
HK$32,132
+HK$1,608/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$61,048/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$321,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,369
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$31,314
−HK$960/mo
Today · 4.125%
HK$32,274
baseline
▲ 0.50% · 4.625%
HK$34,237
+HK$1,963/mo
Deposit HK$2.85M · loan HK$6.66M · min. income ≈ HK$64,548/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$321,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,785
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$34,692
−HK$919/mo
Today · 4.125%
HK$35,611
baseline
▲ 0.50% · 4.625%
HK$37,488
+HK$1,877/mo
Deposit HK$2.85M · loan HK$6.66M · min. income ≈ HK$71,222/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$321,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,046
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$40,261
−HK$1,234/mo
Today · 4.125%
HK$41,495
baseline
▲ 0.50% · 4.625%
HK$44,020
+HK$2,525/mo
Deposit HK$951K · loan HK$8.56M · min. income ≈ HK$82,990/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$321,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,438
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$44,603
−HK$1,182/mo
Today · 4.125%
HK$45,785
baseline
▲ 0.50% · 4.625%
HK$48,199
+HK$2,414/mo
Deposit HK$951K · loan HK$8.56M · min. income ≈ HK$91,570/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$321,310 · 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).