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$21,719
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$22,395
−HK$686/mo
Today · 4.125%
HK$23,081
baseline
▲ 0.50% · 4.625%
HK$24,486
+HK$1,405/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$46,162/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$322,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,162
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$24,810
−HK$658/mo
Today · 4.125%
HK$25,468
baseline
▲ 0.50% · 4.625%
HK$26,810
+HK$1,342/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$50,936/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$322,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,063
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$26,874
−HK$823/mo
Today · 4.125%
HK$27,697
baseline
▲ 0.50% · 4.625%
HK$29,383
+HK$1,686/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$55,394/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$322,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,995
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$29,773
−HK$788/mo
Today · 4.125%
HK$30,561
baseline
▲ 0.50% · 4.625%
HK$32,172
+HK$1,611/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$61,122/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$322,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,407
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$31,353
−HK$961/mo
Today · 4.125%
HK$32,314
baseline
▲ 0.50% · 4.625%
HK$34,280
+HK$1,966/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$64,628/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$322,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,827
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$34,735
−HK$920/mo
Today · 4.125%
HK$35,655
baseline
▲ 0.50% · 4.625%
HK$37,534
+HK$1,879/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$71,310/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$322,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,095
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$40,311
−HK$1,235/mo
Today · 4.125%
HK$41,546
baseline
▲ 0.50% · 4.625%
HK$44,074
+HK$2,528/mo
Deposit HK$952K · loan HK$8.57M · min. income ≈ HK$83,092/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$322,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,492
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$44,659
−HK$1,183/mo
Today · 4.125%
HK$45,842
baseline
▲ 0.50% · 4.625%
HK$48,259
+HK$2,417/mo
Deposit HK$952K · loan HK$8.57M · min. income ≈ HK$91,684/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$322,492 · 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).