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$21,824
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$22,502
−HK$690/mo
Today · 4.125%
HK$23,192
baseline
▲ 0.50% · 4.625%
HK$24,603
+HK$1,411/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$46,384/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$327,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,279
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$24,930
−HK$660/mo
Today · 4.125%
HK$25,590
baseline
▲ 0.50% · 4.625%
HK$26,939
+HK$1,349/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$51,180/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$327,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,188
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$27,003
−HK$828/mo
Today · 4.125%
HK$27,831
baseline
▲ 0.50% · 4.625%
HK$29,524
+HK$1,693/mo
Deposit HK$3.83M · loan HK$5.74M · min. income ≈ HK$55,662/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$327,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,134
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$29,916
−HK$792/mo
Today · 4.125%
HK$30,708
baseline
▲ 0.50% · 4.625%
HK$32,327
+HK$1,619/mo
Deposit HK$3.83M · loan HK$5.74M · min. income ≈ HK$61,416/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$327,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,553
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$31,503
−HK$966/mo
Today · 4.125%
HK$32,469
baseline
▲ 0.50% · 4.625%
HK$34,445
+HK$1,976/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$64,938/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$327,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,990
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$34,902
−HK$924/mo
Today · 4.125%
HK$35,826
baseline
▲ 0.50% · 4.625%
HK$37,715
+HK$1,889/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$71,652/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$327,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,282
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$40,504
−HK$1,242/mo
Today · 4.125%
HK$41,746
baseline
▲ 0.50% · 4.625%
HK$44,286
+HK$2,540/mo
Deposit HK$957K · loan HK$8.61M · min. income ≈ HK$83,492/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$327,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,701
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$44,873
−HK$1,189/mo
Today · 4.125%
HK$46,062
baseline
▲ 0.50% · 4.625%
HK$48,490
+HK$2,428/mo
Deposit HK$957K · loan HK$8.61M · min. income ≈ HK$92,124/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$327,067 · 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).