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$21,711
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$22,387
−HK$686/mo
Today · 4.125%
HK$23,073
baseline
▲ 0.50% · 4.625%
HK$24,477
+HK$1,404/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$46,146/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$322,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,154
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$24,802
−HK$657/mo
Today · 4.125%
HK$25,459
baseline
▲ 0.50% · 4.625%
HK$26,801
+HK$1,342/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$50,918/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$322,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,054
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$26,864
−HK$824/mo
Today · 4.125%
HK$27,688
baseline
▲ 0.50% · 4.625%
HK$29,372
+HK$1,684/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$55,376/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$322,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,984
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$29,762
−HK$788/mo
Today · 4.125%
HK$30,550
baseline
▲ 0.50% · 4.625%
HK$32,161
+HK$1,611/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$61,100/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$322,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,396
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$31,341
−HK$961/mo
Today · 4.125%
HK$32,302
baseline
▲ 0.50% · 4.625%
HK$34,268
+HK$1,966/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$64,604/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$322,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,815
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$34,722
−HK$920/mo
Today · 4.125%
HK$35,642
baseline
▲ 0.50% · 4.625%
HK$37,521
+HK$1,879/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$71,284/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$322,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,081
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$40,296
−HK$1,235/mo
Today · 4.125%
HK$41,531
baseline
▲ 0.50% · 4.625%
HK$44,058
+HK$2,527/mo
Deposit HK$952K · loan HK$8.57M · min. income ≈ HK$83,062/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$322,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,477
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$44,643
−HK$1,183/mo
Today · 4.125%
HK$45,826
baseline
▲ 0.50% · 4.625%
HK$48,241
+HK$2,415/mo
Deposit HK$952K · loan HK$8.57M · min. income ≈ HK$91,652/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$322,149 · 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).