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$21,734
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$22,410
−HK$687/mo
Today · 4.125%
HK$23,097
baseline
▲ 0.50% · 4.625%
HK$24,503
+HK$1,406/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$46,194/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$323,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,179
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$24,828
−HK$658/mo
Today · 4.125%
HK$25,486
baseline
▲ 0.50% · 4.625%
HK$26,829
+HK$1,343/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$50,972/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$323,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,081
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$26,893
−HK$824/mo
Today · 4.125%
HK$27,717
baseline
▲ 0.50% · 4.625%
HK$29,403
+HK$1,686/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$55,434/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$323,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,015
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$29,793
−HK$790/mo
Today · 4.125%
HK$30,583
baseline
▲ 0.50% · 4.625%
HK$32,195
+HK$1,612/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$61,166/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$323,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,428
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$31,375
−HK$961/mo
Today · 4.125%
HK$32,336
baseline
▲ 0.50% · 4.625%
HK$34,304
+HK$1,968/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$64,672/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$323,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,851
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$34,759
−HK$921/mo
Today · 4.125%
HK$35,680
baseline
▲ 0.50% · 4.625%
HK$37,561
+HK$1,881/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$71,360/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$323,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,122
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$40,339
−HK$1,236/mo
Today · 4.125%
HK$41,575
baseline
▲ 0.50% · 4.625%
HK$44,105
+HK$2,530/mo
Deposit HK$953K · loan HK$8.58M · min. income ≈ HK$83,150/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$323,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,523
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$44,690
−HK$1,184/mo
Today · 4.125%
HK$45,874
baseline
▲ 0.50% · 4.625%
HK$48,292
+HK$2,418/mo
Deposit HK$953K · loan HK$8.58M · min. income ≈ HK$91,748/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$323,156 · 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).