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$21,715
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$22,390
−HK$686/mo
Today · 4.125%
HK$23,076
baseline
▲ 0.50% · 4.625%
HK$24,481
+HK$1,405/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$46,152/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$322,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,157
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$24,805
−HK$657/mo
Today · 4.125%
HK$25,462
baseline
▲ 0.50% · 4.625%
HK$26,805
+HK$1,343/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$50,924/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$322,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,058
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$26,868
−HK$824/mo
Today · 4.125%
HK$27,692
baseline
▲ 0.50% · 4.625%
HK$29,377
+HK$1,685/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$55,384/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$322,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,989
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$29,766
−HK$789/mo
Today · 4.125%
HK$30,555
baseline
▲ 0.50% · 4.625%
HK$32,166
+HK$1,611/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$61,110/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$322,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,401
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$31,346
−HK$961/mo
Today · 4.125%
HK$32,307
baseline
▲ 0.50% · 4.625%
HK$34,273
+HK$1,966/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$64,614/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$322,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,820
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$34,727
−HK$920/mo
Today · 4.125%
HK$35,647
baseline
▲ 0.50% · 4.625%
HK$37,527
+HK$1,880/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$71,294/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$322,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,086
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$40,302
−HK$1,235/mo
Today · 4.125%
HK$41,537
baseline
▲ 0.50% · 4.625%
HK$44,065
+HK$2,528/mo
Deposit HK$952K · loan HK$8.57M · min. income ≈ HK$83,074/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$322,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,483
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$44,649
−HK$1,183/mo
Today · 4.125%
HK$45,832
baseline
▲ 0.50% · 4.625%
HK$48,248
+HK$2,416/mo
Deposit HK$952K · loan HK$8.57M · min. income ≈ HK$91,664/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$322,291 · 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).