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$21,757
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$22,434
−HK$687/mo
Today · 4.125%
HK$23,121
baseline
▲ 0.50% · 4.625%
HK$24,528
+HK$1,407/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$46,242/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$324,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,205
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$24,854
−HK$658/mo
Today · 4.125%
HK$25,512
baseline
▲ 0.50% · 4.625%
HK$26,857
+HK$1,345/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$51,024/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$324,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,109
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$26,921
−HK$825/mo
Today · 4.125%
HK$27,746
baseline
▲ 0.50% · 4.625%
HK$29,434
+HK$1,688/mo
Deposit HK$3.82M · loan HK$5.72M · min. income ≈ HK$55,492/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$324,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,046
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$29,824
−HK$791/mo
Today · 4.125%
HK$30,615
baseline
▲ 0.50% · 4.625%
HK$32,228
+HK$1,613/mo
Deposit HK$3.82M · loan HK$5.72M · min. income ≈ HK$61,230/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$324,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,460
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$31,407
−HK$963/mo
Today · 4.125%
HK$32,370
baseline
▲ 0.50% · 4.625%
HK$34,340
+HK$1,970/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$64,740/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$324,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,886
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$34,795
−HK$922/mo
Today · 4.125%
HK$35,717
baseline
▲ 0.50% · 4.625%
HK$37,600
+HK$1,883/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$71,434/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$324,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,163
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$40,381
−HK$1,238/mo
Today · 4.125%
HK$41,619
baseline
▲ 0.50% · 4.625%
HK$44,151
+HK$2,532/mo
Deposit HK$954K · loan HK$8.59M · min. income ≈ HK$83,238/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$324,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,568
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$44,737
−HK$1,185/mo
Today · 4.125%
HK$45,922
baseline
▲ 0.50% · 4.625%
HK$48,343
+HK$2,421/mo
Deposit HK$954K · loan HK$8.59M · min. income ≈ HK$91,844/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$324,153 · 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).