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$21,724
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$22,400
−HK$687/mo
Today · 4.125%
HK$23,087
baseline
▲ 0.50% · 4.625%
HK$24,492
+HK$1,405/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$46,174/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$322,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,168
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$24,816
−HK$658/mo
Today · 4.125%
HK$25,474
baseline
▲ 0.50% · 4.625%
HK$26,817
+HK$1,343/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$50,948/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$322,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,069
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$26,880
−HK$824/mo
Today · 4.125%
HK$27,704
baseline
▲ 0.50% · 4.625%
HK$29,390
+HK$1,686/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$55,408/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$322,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,002
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$29,780
−HK$789/mo
Today · 4.125%
HK$30,569
baseline
▲ 0.50% · 4.625%
HK$32,180
+HK$1,611/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$61,138/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$322,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,414
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$31,360
−HK$961/mo
Today · 4.125%
HK$32,321
baseline
▲ 0.50% · 4.625%
HK$34,288
+HK$1,967/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$64,642/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$322,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,836
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$34,743
−HK$921/mo
Today · 4.125%
HK$35,664
baseline
▲ 0.50% · 4.625%
HK$37,543
+HK$1,879/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$71,328/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$322,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,104
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$40,320
−HK$1,236/mo
Today · 4.125%
HK$41,556
baseline
▲ 0.50% · 4.625%
HK$44,085
+HK$2,529/mo
Deposit HK$953K · loan HK$8.57M · min. income ≈ HK$83,112/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$322,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,503
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$44,670
−HK$1,183/mo
Today · 4.125%
HK$45,853
baseline
▲ 0.50% · 4.625%
HK$48,270
+HK$2,417/mo
Deposit HK$953K · loan HK$8.57M · min. income ≈ HK$91,706/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$322,721 · 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).