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$21,753
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$22,430
−HK$687/mo
Today · 4.125%
HK$23,117
baseline
▲ 0.50% · 4.625%
HK$24,524
+HK$1,407/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$46,234/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$323,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,200
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$24,849
−HK$659/mo
Today · 4.125%
HK$25,508
baseline
▲ 0.50% · 4.625%
HK$26,852
+HK$1,344/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$51,016/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$323,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,104
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$26,916
−HK$825/mo
Today · 4.125%
HK$27,741
baseline
▲ 0.50% · 4.625%
HK$29,429
+HK$1,688/mo
Deposit HK$3.82M · loan HK$5.72M · min. income ≈ HK$55,482/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$323,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,040
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$29,819
−HK$790/mo
Today · 4.125%
HK$30,609
baseline
▲ 0.50% · 4.625%
HK$32,222
+HK$1,613/mo
Deposit HK$3.82M · loan HK$5.72M · min. income ≈ HK$61,218/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$323,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,454
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$31,402
−HK$962/mo
Today · 4.125%
HK$32,364
baseline
▲ 0.50% · 4.625%
HK$34,333
+HK$1,969/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$64,728/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$323,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,880
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$34,789
−HK$922/mo
Today · 4.125%
HK$35,711
baseline
▲ 0.50% · 4.625%
HK$37,593
+HK$1,882/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$71,422/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$323,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,156
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$40,374
−HK$1,237/mo
Today · 4.125%
HK$41,611
baseline
▲ 0.50% · 4.625%
HK$44,143
+HK$2,532/mo
Deposit HK$954K · loan HK$8.59M · min. income ≈ HK$83,222/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$323,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,560
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$44,728
−HK$1,186/mo
Today · 4.125%
HK$45,914
baseline
▲ 0.50% · 4.625%
HK$48,334
+HK$2,420/mo
Deposit HK$954K · loan HK$8.59M · min. income ≈ HK$91,828/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$323,976 · 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).