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$21,764
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$22,441
−HK$688/mo
Today · 4.125%
HK$23,129
baseline
▲ 0.50% · 4.625%
HK$24,537
+HK$1,408/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$46,258/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$324,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,213
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$24,862
−HK$659/mo
Today · 4.125%
HK$25,521
baseline
▲ 0.50% · 4.625%
HK$26,866
+HK$1,345/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$51,042/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$324,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,117
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$26,930
−HK$825/mo
Today · 4.125%
HK$27,755
baseline
▲ 0.50% · 4.625%
HK$29,444
+HK$1,689/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$55,510/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$324,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,055
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$29,835
−HK$790/mo
Today · 4.125%
HK$30,625
baseline
▲ 0.50% · 4.625%
HK$32,239
+HK$1,614/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$61,250/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$324,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,470
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$31,418
−HK$963/mo
Today · 4.125%
HK$32,381
baseline
▲ 0.50% · 4.625%
HK$34,351
+HK$1,970/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$64,762/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$324,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,898
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$34,807
−HK$922/mo
Today · 4.125%
HK$35,729
baseline
▲ 0.50% · 4.625%
HK$37,613
+HK$1,884/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$71,458/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$324,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,176
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$40,395
−HK$1,238/mo
Today · 4.125%
HK$41,633
baseline
▲ 0.50% · 4.625%
HK$44,166
+HK$2,533/mo
Deposit HK$954K · loan HK$8.59M · min. income ≈ HK$83,266/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$324,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,583
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$44,752
−HK$1,186/mo
Today · 4.125%
HK$45,938
baseline
▲ 0.50% · 4.625%
HK$48,359
+HK$2,421/mo
Deposit HK$954K · loan HK$8.59M · min. income ≈ HK$91,876/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$324,475 · 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).