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$21,723
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$22,398
−HK$687/mo
Today · 4.125%
HK$23,085
baseline
▲ 0.50% · 4.625%
HK$24,490
+HK$1,405/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$46,170/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$322,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,166
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$24,814
−HK$658/mo
Today · 4.125%
HK$25,472
baseline
▲ 0.50% · 4.625%
HK$26,815
+HK$1,343/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$50,944/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$322,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,067
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$26,878
−HK$824/mo
Today · 4.125%
HK$27,702
baseline
▲ 0.50% · 4.625%
HK$29,387
+HK$1,685/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$55,404/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$322,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,000
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$29,777
−HK$789/mo
Today · 4.125%
HK$30,566
baseline
▲ 0.50% · 4.625%
HK$32,177
+HK$1,611/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$61,132/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$322,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,412
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$31,358
−HK$961/mo
Today · 4.125%
HK$32,319
baseline
▲ 0.50% · 4.625%
HK$34,285
+HK$1,966/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$64,638/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$322,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,833
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$34,740
−HK$921/mo
Today · 4.125%
HK$35,661
baseline
▲ 0.50% · 4.625%
HK$37,540
+HK$1,879/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$71,322/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$322,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,101
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$40,317
−HK$1,236/mo
Today · 4.125%
HK$41,553
baseline
▲ 0.50% · 4.625%
HK$44,081
+HK$2,528/mo
Deposit HK$953K · loan HK$8.57M · min. income ≈ HK$83,106/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$322,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,499
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$44,666
−HK$1,183/mo
Today · 4.125%
HK$45,849
baseline
▲ 0.50% · 4.625%
HK$48,266
+HK$2,417/mo
Deposit HK$953K · loan HK$8.57M · min. income ≈ HK$91,698/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$322,643 · 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).