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$21,689
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$22,363
−HK$686/mo
Today · 4.125%
HK$23,049
baseline
▲ 0.50% · 4.625%
HK$24,451
+HK$1,402/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$46,098/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$321,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,129
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$24,776
−HK$656/mo
Today · 4.125%
HK$25,432
baseline
▲ 0.50% · 4.625%
HK$26,773
+HK$1,341/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$50,864/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$321,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,027
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$26,836
−HK$823/mo
Today · 4.125%
HK$27,659
baseline
▲ 0.50% · 4.625%
HK$29,342
+HK$1,683/mo
Deposit HK$3.80M · loan HK$5.71M · min. income ≈ HK$55,318/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$321,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,954
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$29,731
−HK$788/mo
Today · 4.125%
HK$30,519
baseline
▲ 0.50% · 4.625%
HK$32,127
+HK$1,608/mo
Deposit HK$3.80M · loan HK$5.71M · min. income ≈ HK$61,038/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$321,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,364
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$31,309
−HK$959/mo
Today · 4.125%
HK$32,268
baseline
▲ 0.50% · 4.625%
HK$34,232
+HK$1,964/mo
Deposit HK$2.85M · loan HK$6.66M · min. income ≈ HK$64,536/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$321,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,780
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$34,686
−HK$919/mo
Today · 4.125%
HK$35,605
baseline
▲ 0.50% · 4.625%
HK$37,482
+HK$1,877/mo
Deposit HK$2.85M · loan HK$6.66M · min. income ≈ HK$71,210/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$321,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,040
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$40,254
−HK$1,234/mo
Today · 4.125%
HK$41,488
baseline
▲ 0.50% · 4.625%
HK$44,012
+HK$2,524/mo
Deposit HK$951K · loan HK$8.56M · min. income ≈ HK$82,976/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$321,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,431
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$44,596
−HK$1,182/mo
Today · 4.125%
HK$45,778
baseline
▲ 0.50% · 4.625%
HK$48,191
+HK$2,413/mo
Deposit HK$951K · loan HK$8.56M · min. income ≈ HK$91,556/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$321,156 · 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).