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$21,860
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$22,540
−HK$691/mo
Today · 4.125%
HK$23,231
baseline
▲ 0.50% · 4.625%
HK$24,644
+HK$1,413/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$46,462/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$328,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,319
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$24,971
−HK$662/mo
Today · 4.125%
HK$25,633
baseline
▲ 0.50% · 4.625%
HK$26,984
+HK$1,351/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$51,266/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$328,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,232
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$27,048
−HK$829/mo
Today · 4.125%
HK$27,877
baseline
▲ 0.50% · 4.625%
HK$29,573
+HK$1,696/mo
Deposit HK$3.83M · loan HK$5.75M · min. income ≈ HK$55,754/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$328,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,183
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$29,965
−HK$794/mo
Today · 4.125%
HK$30,759
baseline
▲ 0.50% · 4.625%
HK$32,381
+HK$1,622/mo
Deposit HK$3.83M · loan HK$5.75M · min. income ≈ HK$61,518/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$328,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,604
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$31,556
−HK$967/mo
Today · 4.125%
HK$32,523
baseline
▲ 0.50% · 4.625%
HK$34,502
+HK$1,979/mo
Deposit HK$2.88M · loan HK$6.71M · min. income ≈ HK$65,046/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$328,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,047
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$34,960
−HK$926/mo
Today · 4.125%
HK$35,886
baseline
▲ 0.50% · 4.625%
HK$37,778
+HK$1,892/mo
Deposit HK$2.88M · loan HK$6.71M · min. income ≈ HK$71,772/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$328,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,348
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$40,572
−HK$1,243/mo
Today · 4.125%
HK$41,815
baseline
▲ 0.50% · 4.625%
HK$44,360
+HK$2,545/mo
Deposit HK$959K · loan HK$8.63M · min. income ≈ HK$83,630/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$328,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,774
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$44,948
−HK$1,191/mo
Today · 4.125%
HK$46,139
baseline
▲ 0.50% · 4.625%
HK$48,571
+HK$2,432/mo
Deposit HK$959K · loan HK$8.63M · min. income ≈ HK$92,278/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$328,662 · 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).