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$21,704
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$22,379
−HK$686/mo
Today · 4.125%
HK$23,065
baseline
▲ 0.50% · 4.625%
HK$24,469
+HK$1,404/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$46,130/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$321,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,146
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$24,793
−HK$657/mo
Today · 4.125%
HK$25,450
baseline
▲ 0.50% · 4.625%
HK$26,792
+HK$1,342/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$50,900/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$321,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,045
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$26,855
−HK$823/mo
Today · 4.125%
HK$27,678
baseline
▲ 0.50% · 4.625%
HK$29,362
+HK$1,684/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$55,356/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$321,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,975
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$29,752
−HK$788/mo
Today · 4.125%
HK$30,540
baseline
▲ 0.50% · 4.625%
HK$32,150
+HK$1,610/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$61,080/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$321,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,386
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$31,331
−HK$960/mo
Today · 4.125%
HK$32,291
baseline
▲ 0.50% · 4.625%
HK$34,256
+HK$1,965/mo
Deposit HK$2.86M · loan HK$6.66M · min. income ≈ HK$64,582/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$321,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,804
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$34,710
−HK$920/mo
Today · 4.125%
HK$35,630
baseline
▲ 0.50% · 4.625%
HK$37,508
+HK$1,878/mo
Deposit HK$2.86M · loan HK$6.66M · min. income ≈ HK$71,260/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$321,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,067
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$40,283
−HK$1,234/mo
Today · 4.125%
HK$41,517
baseline
▲ 0.50% · 4.625%
HK$44,044
+HK$2,527/mo
Deposit HK$952K · loan HK$8.57M · min. income ≈ HK$83,034/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$321,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,462
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$44,628
−HK$1,182/mo
Today · 4.125%
HK$45,810
baseline
▲ 0.50% · 4.625%
HK$48,225
+HK$2,415/mo
Deposit HK$952K · loan HK$8.57M · min. income ≈ HK$91,620/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$321,829 · 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).