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$21,847
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$22,527
−HK$690/mo
Today · 4.125%
HK$23,217
baseline
▲ 0.50% · 4.625%
HK$24,630
+HK$1,413/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$46,434/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$328,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,305
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$24,956
−HK$662/mo
Today · 4.125%
HK$25,618
baseline
▲ 0.50% · 4.625%
HK$26,968
+HK$1,350/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$51,236/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$328,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,216
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$27,032
−HK$828/mo
Today · 4.125%
HK$27,860
baseline
▲ 0.50% · 4.625%
HK$29,556
+HK$1,696/mo
Deposit HK$3.83M · loan HK$5.75M · min. income ≈ HK$55,720/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$328,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,166
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$29,948
−HK$793/mo
Today · 4.125%
HK$30,741
baseline
▲ 0.50% · 4.625%
HK$32,362
+HK$1,621/mo
Deposit HK$3.83M · loan HK$5.75M · min. income ≈ HK$61,482/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$328,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,586
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$31,537
−HK$967/mo
Today · 4.125%
HK$32,504
baseline
▲ 0.50% · 4.625%
HK$34,482
+HK$1,978/mo
Deposit HK$2.87M · loan HK$6.71M · min. income ≈ HK$65,008/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$328,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,027
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$34,939
−HK$926/mo
Today · 4.125%
HK$35,865
baseline
▲ 0.50% · 4.625%
HK$37,755
+HK$1,890/mo
Deposit HK$2.87M · loan HK$6.71M · min. income ≈ HK$71,730/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$328,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,325
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$40,548
−HK$1,243/mo
Today · 4.125%
HK$41,791
baseline
▲ 0.50% · 4.625%
HK$44,334
+HK$2,543/mo
Deposit HK$958K · loan HK$8.62M · min. income ≈ HK$83,582/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$328,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,748
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$44,922
−HK$1,190/mo
Today · 4.125%
HK$46,112
baseline
▲ 0.50% · 4.625%
HK$48,543
+HK$2,431/mo
Deposit HK$958K · loan HK$8.62M · min. income ≈ HK$92,224/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$328,098 · 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).