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$21,686
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$22,361
−HK$685/mo
Today · 4.125%
HK$23,046
baseline
▲ 0.50% · 4.625%
HK$24,448
+HK$1,402/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$46,092/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$321,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,125
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$24,773
−HK$656/mo
Today · 4.125%
HK$25,429
baseline
▲ 0.50% · 4.625%
HK$26,769
+HK$1,340/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$50,858/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$321,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,023
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$26,833
−HK$822/mo
Today · 4.125%
HK$27,655
baseline
▲ 0.50% · 4.625%
HK$29,338
+HK$1,683/mo
Deposit HK$3.80M · loan HK$5.71M · min. income ≈ HK$55,310/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$321,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,951
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$29,727
−HK$788/mo
Today · 4.125%
HK$30,515
baseline
▲ 0.50% · 4.625%
HK$32,123
+HK$1,608/mo
Deposit HK$3.80M · loan HK$5.71M · min. income ≈ HK$61,030/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$321,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,360
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$31,305
−HK$959/mo
Today · 4.125%
HK$32,264
baseline
▲ 0.50% · 4.625%
HK$34,228
+HK$1,964/mo
Deposit HK$2.85M · loan HK$6.66M · min. income ≈ HK$64,528/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$321,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,776
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$34,682
−HK$918/mo
Today · 4.125%
HK$35,600
baseline
▲ 0.50% · 4.625%
HK$37,477
+HK$1,877/mo
Deposit HK$2.85M · loan HK$6.66M · min. income ≈ HK$71,200/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$321,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,035
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$40,249
−HK$1,234/mo
Today · 4.125%
HK$41,483
baseline
▲ 0.50% · 4.625%
HK$44,007
+HK$2,524/mo
Deposit HK$951K · loan HK$8.56M · min. income ≈ HK$82,966/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$321,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,426
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$44,591
−HK$1,181/mo
Today · 4.125%
HK$45,772
baseline
▲ 0.50% · 4.625%
HK$48,185
+HK$2,413/mo
Deposit HK$951K · loan HK$8.56M · min. income ≈ HK$91,544/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$321,035 · 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).