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$21,863
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$22,543
−HK$691/mo
Today · 4.125%
HK$23,234
baseline
▲ 0.50% · 4.625%
HK$24,648
+HK$1,414/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$46,468/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$328,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,323
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$24,975
−HK$662/mo
Today · 4.125%
HK$25,637
baseline
▲ 0.50% · 4.625%
HK$26,988
+HK$1,351/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$51,274/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$328,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,236
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$27,052
−HK$829/mo
Today · 4.125%
HK$27,881
baseline
▲ 0.50% · 4.625%
HK$29,577
+HK$1,696/mo
Deposit HK$3.84M · loan HK$5.75M · min. income ≈ HK$55,762/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$328,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,187
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$29,970
−HK$794/mo
Today · 4.125%
HK$30,764
baseline
▲ 0.50% · 4.625%
HK$32,386
+HK$1,622/mo
Deposit HK$3.84M · loan HK$5.75M · min. income ≈ HK$61,528/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$328,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,608
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$31,560
−HK$968/mo
Today · 4.125%
HK$32,528
baseline
▲ 0.50% · 4.625%
HK$34,507
+HK$1,979/mo
Deposit HK$2.88M · loan HK$6.71M · min. income ≈ HK$65,056/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$328,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,052
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$34,965
−HK$926/mo
Today · 4.125%
HK$35,891
baseline
▲ 0.50% · 4.625%
HK$37,783
+HK$1,892/mo
Deposit HK$2.88M · loan HK$6.71M · min. income ≈ HK$71,782/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$328,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,354
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$40,578
−HK$1,243/mo
Today · 4.125%
HK$41,821
baseline
▲ 0.50% · 4.625%
HK$44,366
+HK$2,545/mo
Deposit HK$959K · loan HK$8.63M · min. income ≈ HK$83,642/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$328,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,781
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$44,955
−HK$1,191/mo
Today · 4.125%
HK$46,146
baseline
▲ 0.50% · 4.625%
HK$48,578
+HK$2,432/mo
Deposit HK$959K · loan HK$8.63M · min. income ≈ HK$92,292/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$328,802 · 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).