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$21,832
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$22,511
−HK$690/mo
Today · 4.125%
HK$23,201
baseline
▲ 0.50% · 4.625%
HK$24,612
+HK$1,411/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$46,402/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$327,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,287
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$24,939
−HK$661/mo
Today · 4.125%
HK$25,600
baseline
▲ 0.50% · 4.625%
HK$26,949
+HK$1,349/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$51,200/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$327,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,198
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$27,013
−HK$828/mo
Today · 4.125%
HK$27,841
baseline
▲ 0.50% · 4.625%
HK$29,535
+HK$1,694/mo
Deposit HK$3.83M · loan HK$5.74M · min. income ≈ HK$55,682/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$327,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,145
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$29,927
−HK$793/mo
Today · 4.125%
HK$30,720
baseline
▲ 0.50% · 4.625%
HK$32,339
+HK$1,619/mo
Deposit HK$3.83M · loan HK$5.74M · min. income ≈ HK$61,440/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$327,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,564
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$31,515
−HK$966/mo
Today · 4.125%
HK$32,481
baseline
▲ 0.50% · 4.625%
HK$34,457
+HK$1,976/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$64,962/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$327,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,002
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$34,914
−HK$925/mo
Today · 4.125%
HK$35,839
baseline
▲ 0.50% · 4.625%
HK$37,729
+HK$1,890/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$71,678/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$327,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,297
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$40,519
−HK$1,242/mo
Today · 4.125%
HK$41,761
baseline
▲ 0.50% · 4.625%
HK$44,302
+HK$2,541/mo
Deposit HK$957K · loan HK$8.62M · min. income ≈ HK$83,522/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$327,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,717
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$44,890
−HK$1,189/mo
Today · 4.125%
HK$46,079
baseline
▲ 0.50% · 4.625%
HK$48,508
+HK$2,429/mo
Deposit HK$957K · loan HK$8.62M · min. income ≈ HK$92,158/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$327,419 · 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).