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$21,714
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$22,389
−HK$687/mo
Today · 4.125%
HK$23,076
baseline
▲ 0.50% · 4.625%
HK$24,480
+HK$1,404/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$46,152/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$322,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,157
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$24,805
−HK$657/mo
Today · 4.125%
HK$25,462
baseline
▲ 0.50% · 4.625%
HK$26,804
+HK$1,342/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$50,924/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$322,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,057
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$26,867
−HK$824/mo
Today · 4.125%
HK$27,691
baseline
▲ 0.50% · 4.625%
HK$29,376
+HK$1,685/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$55,382/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$322,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,988
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$29,765
−HK$789/mo
Today · 4.125%
HK$30,554
baseline
▲ 0.50% · 4.625%
HK$32,165
+HK$1,611/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$61,108/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$322,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,400
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$31,345
−HK$961/mo
Today · 4.125%
HK$32,306
baseline
▲ 0.50% · 4.625%
HK$34,272
+HK$1,966/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$64,612/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$322,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,819
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$34,726
−HK$921/mo
Today · 4.125%
HK$35,647
baseline
▲ 0.50% · 4.625%
HK$37,525
+HK$1,878/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$71,294/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$322,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,085
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$40,301
−HK$1,235/mo
Today · 4.125%
HK$41,536
baseline
▲ 0.50% · 4.625%
HK$44,064
+HK$2,528/mo
Deposit HK$952K · loan HK$8.57M · min. income ≈ HK$83,072/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$322,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,482
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$44,648
−HK$1,183/mo
Today · 4.125%
HK$45,831
baseline
▲ 0.50% · 4.625%
HK$48,247
+HK$2,416/mo
Deposit HK$952K · loan HK$8.57M · min. income ≈ HK$91,662/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$322,265 · 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).