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$21,841
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$22,520
−HK$690/mo
Today · 4.125%
HK$23,210
baseline
▲ 0.50% · 4.625%
HK$24,622
+HK$1,412/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$46,420/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$327,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,297
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$24,949
−HK$661/mo
Today · 4.125%
HK$25,610
baseline
▲ 0.50% · 4.625%
HK$26,960
+HK$1,350/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$51,220/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$327,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,209
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$27,024
−HK$828/mo
Today · 4.125%
HK$27,852
baseline
▲ 0.50% · 4.625%
HK$29,547
+HK$1,695/mo
Deposit HK$3.83M · loan HK$5.75M · min. income ≈ HK$55,704/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$327,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,157
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$29,939
−HK$793/mo
Today · 4.125%
HK$30,732
baseline
▲ 0.50% · 4.625%
HK$32,352
+HK$1,620/mo
Deposit HK$3.83M · loan HK$5.75M · min. income ≈ HK$61,464/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$327,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,577
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$31,528
−HK$966/mo
Today · 4.125%
HK$32,494
baseline
▲ 0.50% · 4.625%
HK$34,471
+HK$1,977/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$64,988/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$327,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,016
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$34,929
−HK$925/mo
Today · 4.125%
HK$35,854
baseline
▲ 0.50% · 4.625%
HK$37,744
+HK$1,890/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$71,708/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$327,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,313
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$40,536
−HK$1,242/mo
Today · 4.125%
HK$41,778
baseline
▲ 0.50% · 4.625%
HK$44,320
+HK$2,542/mo
Deposit HK$958K · loan HK$8.62M · min. income ≈ HK$83,556/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$327,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,735
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$44,908
−HK$1,190/mo
Today · 4.125%
HK$46,098
baseline
▲ 0.50% · 4.625%
HK$48,528
+HK$2,430/mo
Deposit HK$958K · loan HK$8.62M · min. income ≈ HK$92,196/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$327,811 · 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).