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$21,852
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$22,532
−HK$690/mo
Today · 4.125%
HK$23,222
baseline
▲ 0.50% · 4.625%
HK$24,635
+HK$1,413/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$46,444/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$328,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,310
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$24,962
−HK$661/mo
Today · 4.125%
HK$25,623
baseline
▲ 0.50% · 4.625%
HK$26,974
+HK$1,351/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$51,246/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$328,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,222
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$27,038
−HK$829/mo
Today · 4.125%
HK$27,867
baseline
▲ 0.50% · 4.625%
HK$29,562
+HK$1,695/mo
Deposit HK$3.83M · loan HK$5.75M · min. income ≈ HK$55,734/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$328,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,172
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$29,954
−HK$794/mo
Today · 4.125%
HK$30,748
baseline
▲ 0.50% · 4.625%
HK$32,369
+HK$1,621/mo
Deposit HK$3.83M · loan HK$5.75M · min. income ≈ HK$61,496/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$328,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,593
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$31,544
−HK$967/mo
Today · 4.125%
HK$32,511
baseline
▲ 0.50% · 4.625%
HK$34,489
+HK$1,978/mo
Deposit HK$2.87M · loan HK$6.71M · min. income ≈ HK$65,022/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$328,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,034
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$34,947
−HK$926/mo
Today · 4.125%
HK$35,873
baseline
▲ 0.50% · 4.625%
HK$37,764
+HK$1,891/mo
Deposit HK$2.87M · loan HK$6.71M · min. income ≈ HK$71,746/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$328,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,334
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$40,557
−HK$1,243/mo
Today · 4.125%
HK$41,800
baseline
▲ 0.50% · 4.625%
HK$44,344
+HK$2,544/mo
Deposit HK$958K · loan HK$8.62M · min. income ≈ HK$83,600/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$328,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,758
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$44,932
−HK$1,190/mo
Today · 4.125%
HK$46,122
baseline
▲ 0.50% · 4.625%
HK$48,553
+HK$2,431/mo
Deposit HK$958K · loan HK$8.62M · min. income ≈ HK$92,244/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$328,312 · 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).