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$21,697
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$22,371
−HK$686/mo
Today · 4.125%
HK$23,057
baseline
▲ 0.50% · 4.625%
HK$24,460
+HK$1,403/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$46,114/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$321,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,137
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$24,785
−HK$656/mo
Today · 4.125%
HK$25,441
baseline
▲ 0.50% · 4.625%
HK$26,782
+HK$1,341/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$50,882/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$321,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,036
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$26,846
−HK$823/mo
Today · 4.125%
HK$27,669
baseline
▲ 0.50% · 4.625%
HK$29,352
+HK$1,683/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$55,338/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$321,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,965
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$29,741
−HK$789/mo
Today · 4.125%
HK$30,530
baseline
▲ 0.50% · 4.625%
HK$32,139
+HK$1,609/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$61,060/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$321,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,375
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$31,320
−HK$960/mo
Today · 4.125%
HK$32,280
baseline
▲ 0.50% · 4.625%
HK$34,244
+HK$1,964/mo
Deposit HK$2.85M · loan HK$6.66M · min. income ≈ HK$64,560/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$321,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,792
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$34,698
−HK$920/mo
Today · 4.125%
HK$35,618
baseline
▲ 0.50% · 4.625%
HK$37,495
+HK$1,877/mo
Deposit HK$2.85M · loan HK$6.66M · min. income ≈ HK$71,236/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$321,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,054
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$40,269
−HK$1,234/mo
Today · 4.125%
HK$41,503
baseline
▲ 0.50% · 4.625%
HK$44,028
+HK$2,525/mo
Deposit HK$951K · loan HK$8.56M · min. income ≈ HK$83,006/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$321,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,447
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$44,612
−HK$1,182/mo
Today · 4.125%
HK$45,794
baseline
▲ 0.50% · 4.625%
HK$48,208
+HK$2,414/mo
Deposit HK$951K · loan HK$8.56M · min. income ≈ HK$91,588/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$321,497 · 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).