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$21,726
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$22,402
−HK$687/mo
Today · 4.125%
HK$23,089
baseline
▲ 0.50% · 4.625%
HK$24,493
+HK$1,404/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$46,178/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$322,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,170
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$24,818
−HK$658/mo
Today · 4.125%
HK$25,476
baseline
▲ 0.50% · 4.625%
HK$26,819
+HK$1,343/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$50,952/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$322,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,071
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$26,882
−HK$824/mo
Today · 4.125%
HK$27,706
baseline
▲ 0.50% · 4.625%
HK$29,392
+HK$1,686/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$55,412/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$322,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,004
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$29,782
−HK$789/mo
Today · 4.125%
HK$30,571
baseline
▲ 0.50% · 4.625%
HK$32,183
+HK$1,612/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$61,142/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$322,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,417
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$31,363
−HK$961/mo
Today · 4.125%
HK$32,324
baseline
▲ 0.50% · 4.625%
HK$34,291
+HK$1,967/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$64,648/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$322,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,838
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$34,746
−HK$920/mo
Today · 4.125%
HK$35,666
baseline
▲ 0.50% · 4.625%
HK$37,546
+HK$1,880/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$71,332/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$322,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,107
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$40,323
−HK$1,236/mo
Today · 4.125%
HK$41,559
baseline
▲ 0.50% · 4.625%
HK$44,088
+HK$2,529/mo
Deposit HK$953K · loan HK$8.58M · min. income ≈ HK$83,118/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$322,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,506
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$44,673
−HK$1,184/mo
Today · 4.125%
HK$45,857
baseline
▲ 0.50% · 4.625%
HK$48,274
+HK$2,417/mo
Deposit HK$953K · loan HK$8.58M · min. income ≈ HK$91,714/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$322,793 · 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).