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$21,721
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$22,397
−HK$686/mo
Today · 4.125%
HK$23,083
baseline
▲ 0.50% · 4.625%
HK$24,488
+HK$1,405/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$46,166/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$322,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,165
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$24,813
−HK$657/mo
Today · 4.125%
HK$25,470
baseline
▲ 0.50% · 4.625%
HK$26,813
+HK$1,343/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$50,940/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$322,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,066
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$26,876
−HK$824/mo
Today · 4.125%
HK$27,700
baseline
▲ 0.50% · 4.625%
HK$29,386
+HK$1,686/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$55,400/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$322,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,998
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$29,775
−HK$789/mo
Today · 4.125%
HK$30,564
baseline
▲ 0.50% · 4.625%
HK$32,175
+HK$1,611/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$61,128/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$322,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,410
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$31,356
−HK$961/mo
Today · 4.125%
HK$32,317
baseline
▲ 0.50% · 4.625%
HK$34,283
+HK$1,966/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$64,634/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$322,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,831
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$34,738
−HK$920/mo
Today · 4.125%
HK$35,658
baseline
▲ 0.50% · 4.625%
HK$37,538
+HK$1,880/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$71,316/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$322,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,098
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$40,315
−HK$1,235/mo
Today · 4.125%
HK$41,550
baseline
▲ 0.50% · 4.625%
HK$44,078
+HK$2,528/mo
Deposit HK$953K · loan HK$8.57M · min. income ≈ HK$83,100/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$322,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,497
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$44,663
−HK$1,184/mo
Today · 4.125%
HK$45,847
baseline
▲ 0.50% · 4.625%
HK$48,263
+HK$2,416/mo
Deposit HK$953K · loan HK$8.57M · min. income ≈ HK$91,694/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$322,582 · 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).