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$24,645
+HK$1,414/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$328,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,320
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$24,972
−HK$661/mo
Today · 4.125%
HK$25,633
baseline
▲ 0.50% · 4.625%
HK$26,985
+HK$1,352/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$328,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,233
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$27,049
−HK$829/mo
Today · 4.125%
HK$27,878
baseline
▲ 0.50% · 4.625%
HK$29,574
+HK$1,696/mo
Deposit HK$3.83M · loan HK$5.75M · min. income ≈ HK$55,756/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$328,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,183
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$29,966
−HK$794/mo
Today · 4.125%
HK$30,760
baseline
▲ 0.50% · 4.625%
HK$32,382
+HK$1,622/mo
Deposit HK$3.83M · loan HK$5.75M · min. income ≈ HK$61,520/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$328,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,605
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$31,557
−HK$967/mo
Today · 4.125%
HK$32,524
baseline
▲ 0.50% · 4.625%
HK$34,503
+HK$1,979/mo
Deposit HK$2.88M · loan HK$6.71M · min. income ≈ HK$65,048/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$328,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,047
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$34,960
−HK$927/mo
Today · 4.125%
HK$35,887
baseline
▲ 0.50% · 4.625%
HK$37,778
+HK$1,891/mo
Deposit HK$2.88M · loan HK$6.71M · min. income ≈ HK$71,774/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$328,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,349
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$40,573
−HK$1,243/mo
Today · 4.125%
HK$41,816
baseline
▲ 0.50% · 4.625%
HK$44,361
+HK$2,545/mo
Deposit HK$959K · loan HK$8.63M · min. income ≈ HK$83,632/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$328,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,775
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$44,949
−HK$1,191/mo
Today · 4.125%
HK$46,140
baseline
▲ 0.50% · 4.625%
HK$48,572
+HK$2,432/mo
Deposit HK$959K · loan HK$8.63M · min. income ≈ HK$92,280/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$328,684 · 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).