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$21,852
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$22,532
−HK$691/mo
Today · 4.125%
HK$23,223
baseline
▲ 0.50% · 4.625%
HK$24,636
+HK$1,413/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$46,446/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$328,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,310
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$24,962
−HK$662/mo
Today · 4.125%
HK$25,624
baseline
▲ 0.50% · 4.625%
HK$26,974
+HK$1,350/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$51,248/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$328,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,223
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$27,038
−HK$829/mo
Today · 4.125%
HK$27,867
baseline
▲ 0.50% · 4.625%
HK$29,563
+HK$1,696/mo
Deposit HK$3.83M · loan HK$5.75M · min. income ≈ HK$55,734/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$328,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,172
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$29,955
−HK$794/mo
Today · 4.125%
HK$30,749
baseline
▲ 0.50% · 4.625%
HK$32,369
+HK$1,620/mo
Deposit HK$3.83M · loan HK$5.75M · min. income ≈ HK$61,498/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$328,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,593
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$31,545
−HK$967/mo
Today · 4.125%
HK$32,512
baseline
▲ 0.50% · 4.625%
HK$34,490
+HK$1,978/mo
Deposit HK$2.87M · loan HK$6.71M · min. income ≈ HK$65,024/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$328,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,034
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$34,947
−HK$926/mo
Today · 4.125%
HK$35,873
baseline
▲ 0.50% · 4.625%
HK$37,764
+HK$1,891/mo
Deposit HK$2.87M · loan HK$6.71M · min. income ≈ HK$71,746/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$328,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,334
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$40,557
−HK$1,244/mo
Today · 4.125%
HK$41,801
baseline
▲ 0.50% · 4.625%
HK$44,344
+HK$2,543/mo
Deposit HK$958K · loan HK$8.62M · min. income ≈ HK$83,602/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$328,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,759
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$44,932
−HK$1,191/mo
Today · 4.125%
HK$46,123
baseline
▲ 0.50% · 4.625%
HK$48,554
+HK$2,431/mo
Deposit HK$958K · loan HK$8.62M · min. income ≈ HK$92,246/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$328,322 · 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).