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$21,705
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$22,380
−HK$686/mo
Today · 4.125%
HK$23,066
baseline
▲ 0.50% · 4.625%
HK$24,469
+HK$1,403/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$46,132/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$321,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,146
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$24,794
−HK$657/mo
Today · 4.125%
HK$25,451
baseline
▲ 0.50% · 4.625%
HK$26,792
+HK$1,341/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$50,902/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$321,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,046
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$26,856
−HK$823/mo
Today · 4.125%
HK$27,679
baseline
▲ 0.50% · 4.625%
HK$29,363
+HK$1,684/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$55,358/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$321,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,975
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$29,753
−HK$788/mo
Today · 4.125%
HK$30,541
baseline
▲ 0.50% · 4.625%
HK$32,151
+HK$1,610/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$61,082/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$321,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,386
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$31,332
−HK$960/mo
Today · 4.125%
HK$32,292
baseline
▲ 0.50% · 4.625%
HK$34,257
+HK$1,965/mo
Deposit HK$2.86M · loan HK$6.66M · min. income ≈ HK$64,584/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$321,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,805
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$34,711
−HK$920/mo
Today · 4.125%
HK$35,631
baseline
▲ 0.50% · 4.625%
HK$37,509
+HK$1,878/mo
Deposit HK$2.86M · loan HK$6.66M · min. income ≈ HK$71,262/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$321,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,068
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$40,284
−HK$1,234/mo
Today · 4.125%
HK$41,518
baseline
▲ 0.50% · 4.625%
HK$44,045
+HK$2,527/mo
Deposit HK$952K · loan HK$8.57M · min. income ≈ HK$83,036/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$321,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,463
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$44,629
−HK$1,182/mo
Today · 4.125%
HK$45,811
baseline
▲ 0.50% · 4.625%
HK$48,226
+HK$2,415/mo
Deposit HK$952K · loan HK$8.57M · min. income ≈ HK$91,622/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$321,851 · 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).