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$21,740
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$22,416
−HK$687/mo
Today · 4.125%
HK$23,103
baseline
▲ 0.50% · 4.625%
HK$24,509
+HK$1,406/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$46,206/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$323,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,185
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$24,834
−HK$658/mo
Today · 4.125%
HK$25,492
baseline
▲ 0.50% · 4.625%
HK$26,835
+HK$1,343/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$50,984/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$323,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,088
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$26,899
−HK$824/mo
Today · 4.125%
HK$27,723
baseline
▲ 0.50% · 4.625%
HK$29,410
+HK$1,687/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$55,446/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$323,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,022
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$29,800
−HK$790/mo
Today · 4.125%
HK$30,590
baseline
▲ 0.50% · 4.625%
HK$32,203
+HK$1,613/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$61,180/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$323,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,435
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$31,382
−HK$962/mo
Today · 4.125%
HK$32,344
baseline
▲ 0.50% · 4.625%
HK$34,312
+HK$1,968/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$64,688/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$323,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,859
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$34,767
−HK$921/mo
Today · 4.125%
HK$35,688
baseline
▲ 0.50% · 4.625%
HK$37,570
+HK$1,882/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$71,376/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$323,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,131
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$40,349
−HK$1,236/mo
Today · 4.125%
HK$41,585
baseline
▲ 0.50% · 4.625%
HK$44,116
+HK$2,531/mo
Deposit HK$953K · loan HK$8.58M · min. income ≈ HK$83,170/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$323,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,533
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$44,701
−HK$1,184/mo
Today · 4.125%
HK$45,885
baseline
▲ 0.50% · 4.625%
HK$48,304
+HK$2,419/mo
Deposit HK$953K · loan HK$8.58M · min. income ≈ HK$91,770/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$323,385 · 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).