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$21,766
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$22,443
−HK$688/mo
Today · 4.125%
HK$23,131
baseline
▲ 0.50% · 4.625%
HK$24,539
+HK$1,408/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$46,262/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$324,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,215
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$24,864
−HK$659/mo
Today · 4.125%
HK$25,523
baseline
▲ 0.50% · 4.625%
HK$26,868
+HK$1,345/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$51,046/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$324,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,119
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$26,932
−HK$825/mo
Today · 4.125%
HK$27,757
baseline
▲ 0.50% · 4.625%
HK$29,446
+HK$1,689/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$55,514/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$324,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,058
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$29,837
−HK$791/mo
Today · 4.125%
HK$30,628
baseline
▲ 0.50% · 4.625%
HK$32,242
+HK$1,614/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$61,256/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$324,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,473
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$31,421
−HK$963/mo
Today · 4.125%
HK$32,384
baseline
▲ 0.50% · 4.625%
HK$34,354
+HK$1,970/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$64,768/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$324,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,901
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$34,810
−HK$922/mo
Today · 4.125%
HK$35,732
baseline
▲ 0.50% · 4.625%
HK$37,616
+HK$1,884/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$71,464/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$324,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,179
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$40,398
−HK$1,238/mo
Today · 4.125%
HK$41,636
baseline
▲ 0.50% · 4.625%
HK$44,170
+HK$2,534/mo
Deposit HK$955K · loan HK$8.59M · min. income ≈ HK$83,272/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$324,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,586
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$44,755
−HK$1,186/mo
Today · 4.125%
HK$45,941
baseline
▲ 0.50% · 4.625%
HK$48,363
+HK$2,422/mo
Deposit HK$955K · loan HK$8.59M · min. income ≈ HK$91,882/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$324,552 · 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).