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$21,755
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$22,432
−HK$688/mo
Today · 4.125%
HK$23,120
baseline
▲ 0.50% · 4.625%
HK$24,526
+HK$1,406/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$46,240/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$324,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,203
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$24,852
−HK$658/mo
Today · 4.125%
HK$25,510
baseline
▲ 0.50% · 4.625%
HK$26,855
+HK$1,345/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$51,020/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$324,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,106
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$26,919
−HK$825/mo
Today · 4.125%
HK$27,744
baseline
▲ 0.50% · 4.625%
HK$29,432
+HK$1,688/mo
Deposit HK$3.82M · loan HK$5.72M · min. income ≈ HK$55,488/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$324,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,043
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$29,822
−HK$790/mo
Today · 4.125%
HK$30,612
baseline
▲ 0.50% · 4.625%
HK$32,226
+HK$1,614/mo
Deposit HK$3.82M · loan HK$5.72M · min. income ≈ HK$61,224/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$324,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,458
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$31,405
−HK$963/mo
Today · 4.125%
HK$32,368
baseline
▲ 0.50% · 4.625%
HK$34,337
+HK$1,969/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$64,736/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$324,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,884
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$34,792
−HK$922/mo
Today · 4.125%
HK$35,714
baseline
▲ 0.50% · 4.625%
HK$37,597
+HK$1,883/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$71,428/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$324,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,160
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$40,378
−HK$1,237/mo
Today · 4.125%
HK$41,615
baseline
▲ 0.50% · 4.625%
HK$44,148
+HK$2,533/mo
Deposit HK$954K · loan HK$8.59M · min. income ≈ HK$83,230/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$324,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,565
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$44,733
−HK$1,185/mo
Today · 4.125%
HK$45,918
baseline
▲ 0.50% · 4.625%
HK$48,339
+HK$2,421/mo
Deposit HK$954K · loan HK$8.59M · min. income ≈ HK$91,836/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$324,078 · 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).