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$21,830
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$22,509
−HK$690/mo
Today · 4.125%
HK$23,199
baseline
▲ 0.50% · 4.625%
HK$24,611
+HK$1,412/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$46,398/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$327,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,286
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$24,937
−HK$661/mo
Today · 4.125%
HK$25,598
baseline
▲ 0.50% · 4.625%
HK$26,947
+HK$1,349/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$51,196/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$327,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,196
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$27,011
−HK$828/mo
Today · 4.125%
HK$27,839
baseline
▲ 0.50% · 4.625%
HK$29,533
+HK$1,694/mo
Deposit HK$3.83M · loan HK$5.74M · min. income ≈ HK$55,678/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$327,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,143
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$29,925
−HK$793/mo
Today · 4.125%
HK$30,718
baseline
▲ 0.50% · 4.625%
HK$32,337
+HK$1,619/mo
Deposit HK$3.83M · loan HK$5.74M · min. income ≈ HK$61,436/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$327,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,562
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$31,513
−HK$966/mo
Today · 4.125%
HK$32,479
baseline
▲ 0.50% · 4.625%
HK$34,455
+HK$1,976/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$64,958/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$327,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,000
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$34,912
−HK$925/mo
Today · 4.125%
HK$35,837
baseline
▲ 0.50% · 4.625%
HK$37,726
+HK$1,889/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$71,674/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$327,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,295
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$40,517
−HK$1,242/mo
Today · 4.125%
HK$41,759
baseline
▲ 0.50% · 4.625%
HK$44,300
+HK$2,541/mo
Deposit HK$957K · loan HK$8.62M · min. income ≈ HK$83,518/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$327,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,715
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$44,887
−HK$1,190/mo
Today · 4.125%
HK$46,077
baseline
▲ 0.50% · 4.625%
HK$48,505
+HK$2,428/mo
Deposit HK$957K · loan HK$8.62M · min. income ≈ HK$92,154/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$327,363 · 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).