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$21,713
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$22,389
−HK$686/mo
Today · 4.125%
HK$23,075
baseline
▲ 0.50% · 4.625%
HK$24,479
+HK$1,404/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$46,150/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$322,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,156
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$24,804
−HK$657/mo
Today · 4.125%
HK$25,461
baseline
▲ 0.50% · 4.625%
HK$26,803
+HK$1,342/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$50,922/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$322,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,056
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$26,867
−HK$823/mo
Today · 4.125%
HK$27,690
baseline
▲ 0.50% · 4.625%
HK$29,375
+HK$1,685/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$55,380/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$322,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,987
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$29,765
−HK$788/mo
Today · 4.125%
HK$30,553
baseline
▲ 0.50% · 4.625%
HK$32,164
+HK$1,611/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$61,106/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$322,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,399
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$31,344
−HK$961/mo
Today · 4.125%
HK$32,305
baseline
▲ 0.50% · 4.625%
HK$34,271
+HK$1,966/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$64,610/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$322,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,818
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$34,725
−HK$920/mo
Today · 4.125%
HK$35,645
baseline
▲ 0.50% · 4.625%
HK$37,524
+HK$1,879/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$71,290/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$322,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,084
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$40,300
−HK$1,235/mo
Today · 4.125%
HK$41,535
baseline
▲ 0.50% · 4.625%
HK$44,062
+HK$2,527/mo
Deposit HK$952K · loan HK$8.57M · min. income ≈ HK$83,070/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$322,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,481
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$44,647
−HK$1,183/mo
Today · 4.125%
HK$45,830
baseline
▲ 0.50% · 4.625%
HK$48,246
+HK$2,416/mo
Deposit HK$952K · loan HK$8.57M · min. income ≈ HK$91,660/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$322,235 · 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).