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$21,768
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$22,445
−HK$688/mo
Today · 4.125%
HK$23,133
baseline
▲ 0.50% · 4.625%
HK$24,540
+HK$1,407/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$46,266/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$324,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,217
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$24,866
−HK$659/mo
Today · 4.125%
HK$25,525
baseline
▲ 0.50% · 4.625%
HK$26,870
+HK$1,345/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$51,050/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$324,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,121
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$26,934
−HK$825/mo
Today · 4.125%
HK$27,759
baseline
▲ 0.50% · 4.625%
HK$29,449
+HK$1,690/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$55,518/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$324,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,060
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$29,839
−HK$791/mo
Today · 4.125%
HK$30,630
baseline
▲ 0.50% · 4.625%
HK$32,244
+HK$1,614/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$61,260/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$324,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,475
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$31,423
−HK$963/mo
Today · 4.125%
HK$32,386
baseline
▲ 0.50% · 4.625%
HK$34,357
+HK$1,971/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$64,772/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$324,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,903
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$34,812
−HK$923/mo
Today · 4.125%
HK$35,735
baseline
▲ 0.50% · 4.625%
HK$37,618
+HK$1,883/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$71,470/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$324,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,182
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$40,401
−HK$1,238/mo
Today · 4.125%
HK$41,639
baseline
▲ 0.50% · 4.625%
HK$44,173
+HK$2,534/mo
Deposit HK$955K · loan HK$8.59M · min. income ≈ HK$83,278/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$324,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,590
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$44,759
−HK$1,186/mo
Today · 4.125%
HK$45,945
baseline
▲ 0.50% · 4.625%
HK$48,367
+HK$2,422/mo
Deposit HK$955K · loan HK$8.59M · min. income ≈ HK$91,890/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$324,623 · 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).