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$21,710
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$22,385
−HK$686/mo
Today · 4.125%
HK$23,071
baseline
▲ 0.50% · 4.625%
HK$24,475
+HK$1,404/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$46,142/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$322,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,152
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$24,800
−HK$657/mo
Today · 4.125%
HK$25,457
baseline
▲ 0.50% · 4.625%
HK$26,799
+HK$1,342/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$50,914/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$322,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,052
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$26,862
−HK$824/mo
Today · 4.125%
HK$27,686
baseline
▲ 0.50% · 4.625%
HK$29,370
+HK$1,684/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$55,372/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$322,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,983
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$29,760
−HK$788/mo
Today · 4.125%
HK$30,548
baseline
▲ 0.50% · 4.625%
HK$32,159
+HK$1,611/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$61,096/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$322,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,394
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$31,339
−HK$961/mo
Today · 4.125%
HK$32,300
baseline
▲ 0.50% · 4.625%
HK$34,265
+HK$1,965/mo
Deposit HK$2.86M · loan HK$6.66M · min. income ≈ HK$64,600/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$322,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,813
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$34,720
−HK$920/mo
Today · 4.125%
HK$35,640
baseline
▲ 0.50% · 4.625%
HK$37,519
+HK$1,879/mo
Deposit HK$2.86M · loan HK$6.66M · min. income ≈ HK$71,280/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$322,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,078
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$40,294
−HK$1,235/mo
Today · 4.125%
HK$41,529
baseline
▲ 0.50% · 4.625%
HK$44,056
+HK$2,527/mo
Deposit HK$952K · loan HK$8.57M · min. income ≈ HK$83,058/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$322,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,474
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$44,640
−HK$1,183/mo
Today · 4.125%
HK$45,823
baseline
▲ 0.50% · 4.625%
HK$48,238
+HK$2,415/mo
Deposit HK$952K · loan HK$8.57M · min. income ≈ HK$91,646/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$322,088 · 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).