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$21,737
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$22,413
−HK$687/mo
Today · 4.125%
HK$23,100
baseline
▲ 0.50% · 4.625%
HK$24,506
+HK$1,406/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$46,200/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$323,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,182
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$24,831
−HK$658/mo
Today · 4.125%
HK$25,489
baseline
▲ 0.50% · 4.625%
HK$26,832
+HK$1,343/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$50,978/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$323,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,085
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$26,896
−HK$824/mo
Today · 4.125%
HK$27,720
baseline
▲ 0.50% · 4.625%
HK$29,407
+HK$1,687/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$55,440/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$323,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,019
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$29,797
−HK$790/mo
Today · 4.125%
HK$30,587
baseline
▲ 0.50% · 4.625%
HK$32,199
+HK$1,612/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$61,174/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$323,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,432
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$31,379
−HK$961/mo
Today · 4.125%
HK$32,340
baseline
▲ 0.50% · 4.625%
HK$34,308
+HK$1,968/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$64,680/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$323,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,855
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$34,763
−HK$921/mo
Today · 4.125%
HK$35,684
baseline
▲ 0.50% · 4.625%
HK$37,565
+HK$1,881/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$71,368/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$323,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,127
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$40,344
−HK$1,236/mo
Today · 4.125%
HK$41,580
baseline
▲ 0.50% · 4.625%
HK$44,111
+HK$2,531/mo
Deposit HK$953K · loan HK$8.58M · min. income ≈ HK$83,160/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$323,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,528
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$44,696
−HK$1,184/mo
Today · 4.125%
HK$45,880
baseline
▲ 0.50% · 4.625%
HK$48,298
+HK$2,418/mo
Deposit HK$953K · loan HK$8.58M · min. income ≈ HK$91,760/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$323,277 · 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).