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$21,738
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$22,414
−HK$687/mo
Today · 4.125%
HK$23,101
baseline
▲ 0.50% · 4.625%
HK$24,507
+HK$1,406/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$46,202/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$323,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,183
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$24,832
−HK$658/mo
Today · 4.125%
HK$25,490
baseline
▲ 0.50% · 4.625%
HK$26,833
+HK$1,343/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$50,980/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$323,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,085
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$26,897
−HK$824/mo
Today · 4.125%
HK$27,721
baseline
▲ 0.50% · 4.625%
HK$29,408
+HK$1,687/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$55,442/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$323,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,020
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$29,798
−HK$790/mo
Today · 4.125%
HK$30,588
baseline
▲ 0.50% · 4.625%
HK$32,200
+HK$1,612/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$61,176/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$323,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,433
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$31,380
−HK$961/mo
Today · 4.125%
HK$32,341
baseline
▲ 0.50% · 4.625%
HK$34,309
+HK$1,968/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$64,682/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$323,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,856
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$34,764
−HK$922/mo
Today · 4.125%
HK$35,686
baseline
▲ 0.50% · 4.625%
HK$37,567
+HK$1,881/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$71,372/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$323,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,128
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$40,345
−HK$1,237/mo
Today · 4.125%
HK$41,582
baseline
▲ 0.50% · 4.625%
HK$44,112
+HK$2,530/mo
Deposit HK$953K · loan HK$8.58M · min. income ≈ HK$83,164/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$323,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,530
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$44,697
−HK$1,185/mo
Today · 4.125%
HK$45,882
baseline
▲ 0.50% · 4.625%
HK$48,300
+HK$2,418/mo
Deposit HK$953K · loan HK$8.58M · min. income ≈ HK$91,764/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$323,310 · 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).