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$21,690
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$22,365
−HK$686/mo
Today · 4.125%
HK$23,051
baseline
▲ 0.50% · 4.625%
HK$24,453
+HK$1,402/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$46,102/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$321,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,130
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$24,777
−HK$657/mo
Today · 4.125%
HK$25,434
baseline
▲ 0.50% · 4.625%
HK$26,775
+HK$1,341/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$50,868/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$321,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,028
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$26,838
−HK$823/mo
Today · 4.125%
HK$27,661
baseline
▲ 0.50% · 4.625%
HK$29,344
+HK$1,683/mo
Deposit HK$3.80M · loan HK$5.71M · min. income ≈ HK$55,322/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$321,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,956
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$29,733
−HK$788/mo
Today · 4.125%
HK$30,521
baseline
▲ 0.50% · 4.625%
HK$32,130
+HK$1,609/mo
Deposit HK$3.80M · loan HK$5.71M · min. income ≈ HK$61,042/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$321,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,367
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$31,311
−HK$960/mo
Today · 4.125%
HK$32,271
baseline
▲ 0.50% · 4.625%
HK$34,234
+HK$1,963/mo
Deposit HK$2.85M · loan HK$6.66M · min. income ≈ HK$64,542/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$321,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,782
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$34,688
−HK$920/mo
Today · 4.125%
HK$35,608
baseline
▲ 0.50% · 4.625%
HK$37,485
+HK$1,877/mo
Deposit HK$2.85M · loan HK$6.66M · min. income ≈ HK$71,216/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$321,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,043
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$40,257
−HK$1,234/mo
Today · 4.125%
HK$41,491
baseline
▲ 0.50% · 4.625%
HK$44,016
+HK$2,525/mo
Deposit HK$951K · loan HK$8.56M · min. income ≈ HK$82,982/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$321,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,435
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$44,599
−HK$1,182/mo
Today · 4.125%
HK$45,781
baseline
▲ 0.50% · 4.625%
HK$48,194
+HK$2,413/mo
Deposit HK$951K · loan HK$8.56M · min. income ≈ HK$91,562/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$321,225 · 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).