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$21,725
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$22,400
−HK$687/mo
Today · 4.125%
HK$23,087
baseline
▲ 0.50% · 4.625%
HK$24,492
+HK$1,405/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$46,174/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$322,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,168
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$24,817
−HK$657/mo
Today · 4.125%
HK$25,474
baseline
▲ 0.50% · 4.625%
HK$26,817
+HK$1,343/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$50,948/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$322,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,070
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$26,881
−HK$823/mo
Today · 4.125%
HK$27,704
baseline
▲ 0.50% · 4.625%
HK$29,390
+HK$1,686/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$55,408/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$322,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,002
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$29,780
−HK$789/mo
Today · 4.125%
HK$30,569
baseline
▲ 0.50% · 4.625%
HK$32,180
+HK$1,611/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$61,138/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$322,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,415
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$31,361
−HK$961/mo
Today · 4.125%
HK$32,322
baseline
▲ 0.50% · 4.625%
HK$34,289
+HK$1,967/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$64,644/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$322,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,836
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$34,743
−HK$921/mo
Today · 4.125%
HK$35,664
baseline
▲ 0.50% · 4.625%
HK$37,544
+HK$1,880/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$71,328/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$322,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,104
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$40,321
−HK$1,236/mo
Today · 4.125%
HK$41,557
baseline
▲ 0.50% · 4.625%
HK$44,085
+HK$2,528/mo
Deposit HK$953K · loan HK$8.57M · min. income ≈ HK$83,114/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$322,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,503
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$44,670
−HK$1,184/mo
Today · 4.125%
HK$45,854
baseline
▲ 0.50% · 4.625%
HK$48,271
+HK$2,417/mo
Deposit HK$953K · loan HK$8.57M · min. income ≈ HK$91,708/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$322,730 · 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).