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$21,775
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$22,452
−HK$688/mo
Today · 4.125%
HK$23,140
baseline
▲ 0.50% · 4.625%
HK$24,548
+HK$1,408/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$46,280/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$324,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,224
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$24,874
−HK$659/mo
Today · 4.125%
HK$25,533
baseline
▲ 0.50% · 4.625%
HK$26,879
+HK$1,346/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$51,066/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$324,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,130
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$26,943
−HK$825/mo
Today · 4.125%
HK$27,768
baseline
▲ 0.50% · 4.625%
HK$29,458
+HK$1,690/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$55,536/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$324,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,069
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$29,849
−HK$791/mo
Today · 4.125%
HK$30,640
baseline
▲ 0.50% · 4.625%
HK$32,255
+HK$1,615/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$61,280/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$324,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,485
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$31,433
−HK$963/mo
Today · 4.125%
HK$32,396
baseline
▲ 0.50% · 4.625%
HK$34,368
+HK$1,972/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$64,792/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$324,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,914
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$34,824
−HK$922/mo
Today · 4.125%
HK$35,746
baseline
▲ 0.50% · 4.625%
HK$37,631
+HK$1,885/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$71,492/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$324,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,195
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$40,414
−HK$1,239/mo
Today · 4.125%
HK$41,653
baseline
▲ 0.50% · 4.625%
HK$44,187
+HK$2,534/mo
Deposit HK$955K · loan HK$8.59M · min. income ≈ HK$83,306/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$324,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,604
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$44,773
−HK$1,186/mo
Today · 4.125%
HK$45,959
baseline
▲ 0.50% · 4.625%
HK$48,382
+HK$2,423/mo
Deposit HK$955K · loan HK$8.59M · min. income ≈ HK$91,918/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$324,930 · 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).