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$21,746
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$22,423
−HK$687/mo
Today · 4.125%
HK$23,110
baseline
▲ 0.50% · 4.625%
HK$24,516
+HK$1,406/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$46,220/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$323,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,192
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$24,841
−HK$658/mo
Today · 4.125%
HK$25,499
baseline
▲ 0.50% · 4.625%
HK$26,844
+HK$1,345/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$50,998/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$323,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,095
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$26,907
−HK$825/mo
Today · 4.125%
HK$27,732
baseline
▲ 0.50% · 4.625%
HK$29,419
+HK$1,687/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$55,464/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$323,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,031
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$29,809
−HK$790/mo
Today · 4.125%
HK$30,599
baseline
▲ 0.50% · 4.625%
HK$32,212
+HK$1,613/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$61,198/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$323,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,445
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$31,392
−HK$962/mo
Today · 4.125%
HK$32,354
baseline
▲ 0.50% · 4.625%
HK$34,322
+HK$1,968/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$64,708/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$323,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,869
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$34,778
−HK$921/mo
Today · 4.125%
HK$35,699
baseline
▲ 0.50% · 4.625%
HK$37,581
+HK$1,882/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$71,398/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$323,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,143
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$40,361
−HK$1,237/mo
Today · 4.125%
HK$41,598
baseline
▲ 0.50% · 4.625%
HK$44,129
+HK$2,531/mo
Deposit HK$954K · loan HK$8.58M · min. income ≈ HK$83,196/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$323,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,546
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$44,714
−HK$1,185/mo
Today · 4.125%
HK$45,899
baseline
▲ 0.50% · 4.625%
HK$48,318
+HK$2,419/mo
Deposit HK$954K · loan HK$8.58M · min. income ≈ HK$91,798/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$323,673 · 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).