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$21,756
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$22,433
−HK$687/mo
Today · 4.125%
HK$23,120
baseline
▲ 0.50% · 4.625%
HK$24,527
+HK$1,407/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$46,240/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$324,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,203
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$24,852
−HK$659/mo
Today · 4.125%
HK$25,511
baseline
▲ 0.50% · 4.625%
HK$26,856
+HK$1,345/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$51,022/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$324,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,107
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$26,919
−HK$825/mo
Today · 4.125%
HK$27,744
baseline
▲ 0.50% · 4.625%
HK$29,432
+HK$1,688/mo
Deposit HK$3.82M · loan HK$5.72M · min. income ≈ HK$55,488/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$324,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,044
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$29,823
−HK$790/mo
Today · 4.125%
HK$30,613
baseline
▲ 0.50% · 4.625%
HK$32,227
+HK$1,614/mo
Deposit HK$3.82M · loan HK$5.72M · min. income ≈ HK$61,226/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$324,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,458
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$31,406
−HK$962/mo
Today · 4.125%
HK$32,368
baseline
▲ 0.50% · 4.625%
HK$34,338
+HK$1,970/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$64,736/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$324,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,885
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$34,793
−HK$922/mo
Today · 4.125%
HK$35,715
baseline
▲ 0.50% · 4.625%
HK$37,598
+HK$1,883/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$71,430/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$324,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,161
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$40,379
−HK$1,237/mo
Today · 4.125%
HK$41,616
baseline
▲ 0.50% · 4.625%
HK$44,149
+HK$2,533/mo
Deposit HK$954K · loan HK$8.59M · min. income ≈ HK$83,232/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$324,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,566
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$44,734
−HK$1,186/mo
Today · 4.125%
HK$45,920
baseline
▲ 0.50% · 4.625%
HK$48,340
+HK$2,420/mo
Deposit HK$954K · loan HK$8.59M · min. income ≈ HK$91,840/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$324,102 · 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).