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$21,732
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$22,408
−HK$686/mo
Today · 4.125%
HK$23,094
baseline
▲ 0.50% · 4.625%
HK$24,500
+HK$1,406/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$46,188/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$323,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,176
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$24,825
−HK$657/mo
Today · 4.125%
HK$25,482
baseline
▲ 0.50% · 4.625%
HK$26,826
+HK$1,344/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$50,964/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$323,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,078
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$26,889
−HK$824/mo
Today · 4.125%
HK$27,713
baseline
▲ 0.50% · 4.625%
HK$29,400
+HK$1,687/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$55,426/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$323,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,012
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$29,790
−HK$789/mo
Today · 4.125%
HK$30,579
baseline
▲ 0.50% · 4.625%
HK$32,191
+HK$1,612/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$61,158/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$323,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,424
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$31,371
−HK$961/mo
Today · 4.125%
HK$32,332
baseline
▲ 0.50% · 4.625%
HK$34,300
+HK$1,968/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$64,664/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$323,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,847
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$34,755
−HK$920/mo
Today · 4.125%
HK$35,675
baseline
▲ 0.50% · 4.625%
HK$37,556
+HK$1,881/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$71,350/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$323,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,117
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$40,334
−HK$1,236/mo
Today · 4.125%
HK$41,570
baseline
▲ 0.50% · 4.625%
HK$44,099
+HK$2,529/mo
Deposit HK$953K · loan HK$8.58M · min. income ≈ HK$83,140/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$323,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,517
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$44,684
−HK$1,184/mo
Today · 4.125%
HK$45,868
baseline
▲ 0.50% · 4.625%
HK$48,286
+HK$2,418/mo
Deposit HK$953K · loan HK$8.58M · min. income ≈ HK$91,736/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$323,038 · 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).