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$21,726
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$22,401
−HK$687/mo
Today · 4.125%
HK$23,088
baseline
▲ 0.50% · 4.625%
HK$24,493
+HK$1,405/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$46,176/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$322,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,170
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$24,818
−HK$657/mo
Today · 4.125%
HK$25,475
baseline
▲ 0.50% · 4.625%
HK$26,818
+HK$1,343/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$50,950/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$322,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,071
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$26,882
−HK$824/mo
Today · 4.125%
HK$27,706
baseline
▲ 0.50% · 4.625%
HK$29,392
+HK$1,686/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$55,412/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$322,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,004
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$29,781
−HK$790/mo
Today · 4.125%
HK$30,571
baseline
▲ 0.50% · 4.625%
HK$32,182
+HK$1,611/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$61,142/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$322,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,416
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$31,362
−HK$961/mo
Today · 4.125%
HK$32,323
baseline
▲ 0.50% · 4.625%
HK$34,290
+HK$1,967/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$64,646/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$322,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,837
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$34,745
−HK$921/mo
Today · 4.125%
HK$35,666
baseline
▲ 0.50% · 4.625%
HK$37,546
+HK$1,880/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$71,332/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$322,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,106
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$40,323
−HK$1,236/mo
Today · 4.125%
HK$41,559
baseline
▲ 0.50% · 4.625%
HK$44,087
+HK$2,528/mo
Deposit HK$953K · loan HK$8.57M · min. income ≈ HK$83,118/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$322,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,505
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$44,672
−HK$1,184/mo
Today · 4.125%
HK$45,856
baseline
▲ 0.50% · 4.625%
HK$48,273
+HK$2,417/mo
Deposit HK$953K · loan HK$8.57M · min. income ≈ HK$91,712/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$322,775 · 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).