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$21,742
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$22,419
−HK$687/mo
Today · 4.125%
HK$23,106
baseline
▲ 0.50% · 4.625%
HK$24,512
+HK$1,406/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$46,212/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$323,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,188
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$24,837
−HK$658/mo
Today · 4.125%
HK$25,495
baseline
▲ 0.50% · 4.625%
HK$26,839
+HK$1,344/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$50,990/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$323,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,091
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$26,902
−HK$825/mo
Today · 4.125%
HK$27,727
baseline
▲ 0.50% · 4.625%
HK$29,414
+HK$1,687/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$55,454/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$323,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,026
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$29,804
−HK$790/mo
Today · 4.125%
HK$30,594
baseline
▲ 0.50% · 4.625%
HK$32,206
+HK$1,612/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$61,188/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$323,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,439
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$31,386
−HK$962/mo
Today · 4.125%
HK$32,348
baseline
▲ 0.50% · 4.625%
HK$34,316
+HK$1,968/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$64,696/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$323,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,863
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$34,771
−HK$922/mo
Today · 4.125%
HK$35,693
baseline
▲ 0.50% · 4.625%
HK$37,574
+HK$1,881/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$71,386/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$323,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,136
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$40,353
−HK$1,237/mo
Today · 4.125%
HK$41,590
baseline
▲ 0.50% · 4.625%
HK$44,121
+HK$2,531/mo
Deposit HK$954K · loan HK$8.58M · min. income ≈ HK$83,180/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$323,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,539
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$44,706
−HK$1,185/mo
Today · 4.125%
HK$45,891
baseline
▲ 0.50% · 4.625%
HK$48,310
+HK$2,419/mo
Deposit HK$954K · loan HK$8.58M · min. income ≈ HK$91,782/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$323,502 · 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).