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$21,758
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$22,435
−HK$687/mo
Today · 4.125%
HK$23,122
baseline
▲ 0.50% · 4.625%
HK$24,529
+HK$1,407/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$46,244/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$324,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,205
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$24,854
−HK$659/mo
Today · 4.125%
HK$25,513
baseline
▲ 0.50% · 4.625%
HK$26,858
+HK$1,345/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$51,026/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$324,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,109
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$26,921
−HK$826/mo
Today · 4.125%
HK$27,747
baseline
▲ 0.50% · 4.625%
HK$29,435
+HK$1,688/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$55,494/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$324,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,046
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$29,825
−HK$791/mo
Today · 4.125%
HK$30,616
baseline
▲ 0.50% · 4.625%
HK$32,229
+HK$1,613/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$61,232/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$324,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,461
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$31,408
−HK$963/mo
Today · 4.125%
HK$32,371
baseline
▲ 0.50% · 4.625%
HK$34,341
+HK$1,970/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$64,742/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$324,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,887
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$34,796
−HK$922/mo
Today · 4.125%
HK$35,718
baseline
▲ 0.50% · 4.625%
HK$37,601
+HK$1,883/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$71,436/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$324,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,164
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$40,382
−HK$1,238/mo
Today · 4.125%
HK$41,620
baseline
▲ 0.50% · 4.625%
HK$44,152
+HK$2,532/mo
Deposit HK$954K · loan HK$8.59M · min. income ≈ HK$83,240/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$324,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,569
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$44,738
−HK$1,185/mo
Today · 4.125%
HK$45,923
baseline
▲ 0.50% · 4.625%
HK$48,344
+HK$2,421/mo
Deposit HK$954K · loan HK$8.59M · min. income ≈ HK$91,846/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$324,179 · 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).