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$21,839
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$22,518
−HK$690/mo
Today · 4.125%
HK$23,208
baseline
▲ 0.50% · 4.625%
HK$24,620
+HK$1,412/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$46,416/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$327,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,295
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$24,947
−HK$661/mo
Today · 4.125%
HK$25,608
baseline
▲ 0.50% · 4.625%
HK$26,958
+HK$1,350/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$51,216/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$327,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,206
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$27,022
−HK$828/mo
Today · 4.125%
HK$27,850
baseline
▲ 0.50% · 4.625%
HK$29,544
+HK$1,694/mo
Deposit HK$3.83M · loan HK$5.75M · min. income ≈ HK$55,700/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$327,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,154
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$29,936
−HK$794/mo
Today · 4.125%
HK$30,730
baseline
▲ 0.50% · 4.625%
HK$32,349
+HK$1,619/mo
Deposit HK$3.83M · loan HK$5.75M · min. income ≈ HK$61,460/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$327,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,574
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$31,525
−HK$966/mo
Today · 4.125%
HK$32,491
baseline
▲ 0.50% · 4.625%
HK$34,468
+HK$1,977/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$64,982/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$327,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,013
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$34,926
−HK$925/mo
Today · 4.125%
HK$35,851
baseline
▲ 0.50% · 4.625%
HK$37,741
+HK$1,890/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$71,702/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$327,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,310
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$40,532
−HK$1,243/mo
Today · 4.125%
HK$41,775
baseline
▲ 0.50% · 4.625%
HK$44,317
+HK$2,542/mo
Deposit HK$958K · loan HK$8.62M · min. income ≈ HK$83,550/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$327,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,732
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$44,904
−HK$1,190/mo
Today · 4.125%
HK$46,094
baseline
▲ 0.50% · 4.625%
HK$48,524
+HK$2,430/mo
Deposit HK$958K · loan HK$8.62M · min. income ≈ HK$92,188/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$327,731 · 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).