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$21,727
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$22,403
−HK$686/mo
Today · 4.125%
HK$23,089
baseline
▲ 0.50% · 4.625%
HK$24,494
+HK$1,405/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$46,178/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$322,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,171
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$24,819
−HK$658/mo
Today · 4.125%
HK$25,477
baseline
▲ 0.50% · 4.625%
HK$26,820
+HK$1,343/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$50,954/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$322,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,072
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$26,883
−HK$824/mo
Today · 4.125%
HK$27,707
baseline
▲ 0.50% · 4.625%
HK$29,393
+HK$1,686/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$55,414/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$322,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,005
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$29,783
−HK$789/mo
Today · 4.125%
HK$30,572
baseline
▲ 0.50% · 4.625%
HK$32,183
+HK$1,611/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$61,144/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$322,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,417
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$31,364
−HK$961/mo
Today · 4.125%
HK$32,325
baseline
▲ 0.50% · 4.625%
HK$34,292
+HK$1,967/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$64,650/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$322,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,839
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$34,747
−HK$920/mo
Today · 4.125%
HK$35,667
baseline
▲ 0.50% · 4.625%
HK$37,547
+HK$1,880/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$71,334/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$322,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,108
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$40,325
−HK$1,236/mo
Today · 4.125%
HK$41,561
baseline
▲ 0.50% · 4.625%
HK$44,089
+HK$2,528/mo
Deposit HK$953K · loan HK$8.58M · min. income ≈ HK$83,122/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$322,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,507
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$44,674
−HK$1,184/mo
Today · 4.125%
HK$45,858
baseline
▲ 0.50% · 4.625%
HK$48,275
+HK$2,417/mo
Deposit HK$953K · loan HK$8.58M · min. income ≈ HK$91,716/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$322,820 · 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).