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$21,825
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$22,503
−HK$690/mo
Today · 4.125%
HK$23,193
baseline
▲ 0.50% · 4.625%
HK$24,604
+HK$1,411/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$46,386/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$327,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,280
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$24,931
−HK$660/mo
Today · 4.125%
HK$25,591
baseline
▲ 0.50% · 4.625%
HK$26,940
+HK$1,349/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$51,182/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$327,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,189
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$27,004
−HK$828/mo
Today · 4.125%
HK$27,832
baseline
▲ 0.50% · 4.625%
HK$29,525
+HK$1,693/mo
Deposit HK$3.83M · loan HK$5.74M · min. income ≈ HK$55,664/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$327,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,135
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$29,917
−HK$793/mo
Today · 4.125%
HK$30,710
baseline
▲ 0.50% · 4.625%
HK$32,328
+HK$1,618/mo
Deposit HK$3.83M · loan HK$5.74M · min. income ≈ HK$61,420/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$327,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,554
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$31,505
−HK$965/mo
Today · 4.125%
HK$32,470
baseline
▲ 0.50% · 4.625%
HK$34,446
+HK$1,976/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$64,940/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$327,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,991
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$34,903
−HK$925/mo
Today · 4.125%
HK$35,828
baseline
▲ 0.50% · 4.625%
HK$37,716
+HK$1,888/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$71,656/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$327,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,284
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$40,506
−HK$1,242/mo
Today · 4.125%
HK$41,748
baseline
▲ 0.50% · 4.625%
HK$44,288
+HK$2,540/mo
Deposit HK$957K · loan HK$8.61M · min. income ≈ HK$83,496/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$327,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,703
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$44,875
−HK$1,189/mo
Today · 4.125%
HK$46,064
baseline
▲ 0.50% · 4.625%
HK$48,492
+HK$2,428/mo
Deposit HK$957K · loan HK$8.61M · min. income ≈ HK$92,128/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$327,109 · 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).