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$21,699
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$22,373
−HK$686/mo
Today · 4.125%
HK$23,059
baseline
▲ 0.50% · 4.625%
HK$24,462
+HK$1,403/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$46,118/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$321,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,139
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$24,787
−HK$657/mo
Today · 4.125%
HK$25,444
baseline
▲ 0.50% · 4.625%
HK$26,785
+HK$1,341/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$50,888/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$321,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,038
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$26,848
−HK$823/mo
Today · 4.125%
HK$27,671
baseline
▲ 0.50% · 4.625%
HK$29,355
+HK$1,684/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$55,342/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$321,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,967
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$29,744
−HK$788/mo
Today · 4.125%
HK$30,532
baseline
▲ 0.50% · 4.625%
HK$32,142
+HK$1,610/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$61,064/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$321,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,378
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$31,323
−HK$960/mo
Today · 4.125%
HK$32,283
baseline
▲ 0.50% · 4.625%
HK$34,247
+HK$1,964/mo
Deposit HK$2.85M · loan HK$6.66M · min. income ≈ HK$64,566/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$321,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,795
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$34,702
−HK$919/mo
Today · 4.125%
HK$35,621
baseline
▲ 0.50% · 4.625%
HK$37,499
+HK$1,878/mo
Deposit HK$2.85M · loan HK$6.66M · min. income ≈ HK$71,242/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$321,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,057
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$40,272
−HK$1,235/mo
Today · 4.125%
HK$41,507
baseline
▲ 0.50% · 4.625%
HK$44,032
+HK$2,525/mo
Deposit HK$952K · loan HK$8.56M · min. income ≈ HK$83,014/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$321,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,451
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$44,616
−HK$1,182/mo
Today · 4.125%
HK$45,798
baseline
▲ 0.50% · 4.625%
HK$48,213
+HK$2,415/mo
Deposit HK$952K · loan HK$8.56M · min. income ≈ HK$91,596/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$321,583 · 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).