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$21,751
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$22,428
−HK$687/mo
Today · 4.125%
HK$23,115
baseline
▲ 0.50% · 4.625%
HK$24,522
+HK$1,407/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$46,230/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$323,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,198
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$24,847
−HK$659/mo
Today · 4.125%
HK$25,506
baseline
▲ 0.50% · 4.625%
HK$26,850
+HK$1,344/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$51,012/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$323,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,102
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$26,914
−HK$825/mo
Today · 4.125%
HK$27,739
baseline
▲ 0.50% · 4.625%
HK$29,426
+HK$1,687/mo
Deposit HK$3.82M · loan HK$5.72M · min. income ≈ HK$55,478/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$323,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,038
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$29,817
−HK$790/mo
Today · 4.125%
HK$30,607
baseline
▲ 0.50% · 4.625%
HK$32,220
+HK$1,613/mo
Deposit HK$3.82M · loan HK$5.72M · min. income ≈ HK$61,214/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$323,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,452
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$31,399
−HK$963/mo
Today · 4.125%
HK$32,362
baseline
▲ 0.50% · 4.625%
HK$34,331
+HK$1,969/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$64,724/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$323,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,878
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$34,786
−HK$922/mo
Today · 4.125%
HK$35,708
baseline
▲ 0.50% · 4.625%
HK$37,590
+HK$1,882/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$71,416/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$323,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,153
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$40,371
−HK$1,237/mo
Today · 4.125%
HK$41,608
baseline
▲ 0.50% · 4.625%
HK$44,140
+HK$2,532/mo
Deposit HK$954K · loan HK$8.59M · min. income ≈ HK$83,216/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$323,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,557
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$44,725
−HK$1,185/mo
Today · 4.125%
HK$45,910
baseline
▲ 0.50% · 4.625%
HK$48,330
+HK$2,420/mo
Deposit HK$954K · loan HK$8.59M · min. income ≈ HK$91,820/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$323,905 · 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).