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$21,861
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$22,541
−HK$691/mo
Today · 4.125%
HK$23,232
baseline
▲ 0.50% · 4.625%
HK$24,646
+HK$1,414/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$46,464/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$328,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,321
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$24,973
−HK$662/mo
Today · 4.125%
HK$25,635
baseline
▲ 0.50% · 4.625%
HK$26,986
+HK$1,351/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$51,270/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$328,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,234
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$27,050
−HK$829/mo
Today · 4.125%
HK$27,879
baseline
▲ 0.50% · 4.625%
HK$29,575
+HK$1,696/mo
Deposit HK$3.83M · loan HK$5.75M · min. income ≈ HK$55,758/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$328,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,185
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$29,967
−HK$794/mo
Today · 4.125%
HK$30,761
baseline
▲ 0.50% · 4.625%
HK$32,383
+HK$1,622/mo
Deposit HK$3.83M · loan HK$5.75M · min. income ≈ HK$61,522/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$328,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,606
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$31,558
−HK$967/mo
Today · 4.125%
HK$32,525
baseline
▲ 0.50% · 4.625%
HK$34,504
+HK$1,979/mo
Deposit HK$2.88M · loan HK$6.71M · min. income ≈ HK$65,050/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$328,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,049
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$34,962
−HK$926/mo
Today · 4.125%
HK$35,888
baseline
▲ 0.50% · 4.625%
HK$37,780
+HK$1,892/mo
Deposit HK$2.88M · loan HK$6.71M · min. income ≈ HK$71,776/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$328,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,351
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$40,575
−HK$1,243/mo
Today · 4.125%
HK$41,818
baseline
▲ 0.50% · 4.625%
HK$44,363
+HK$2,545/mo
Deposit HK$959K · loan HK$8.63M · min. income ≈ HK$83,636/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$328,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,777
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$44,951
−HK$1,191/mo
Today · 4.125%
HK$46,142
baseline
▲ 0.50% · 4.625%
HK$48,574
+HK$2,432/mo
Deposit HK$959K · loan HK$8.63M · min. income ≈ HK$92,284/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$328,726 · 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).