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$323,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,183
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$24,831
−HK$658/mo
Today · 4.125%
HK$25,489
baseline
▲ 0.50% · 4.625%
HK$26,833
+HK$1,344/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$323,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,085
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$26,896
−HK$825/mo
Today · 4.125%
HK$27,721
baseline
▲ 0.50% · 4.625%
HK$29,407
+HK$1,686/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$55,442/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$323,285 · 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$323,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,432
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$31,379
−HK$962/mo
Today · 4.125%
HK$32,341
baseline
▲ 0.50% · 4.625%
HK$34,308
+HK$1,967/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$64,682/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$323,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,856
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$34,764
−HK$921/mo
Today · 4.125%
HK$35,685
baseline
▲ 0.50% · 4.625%
HK$37,566
+HK$1,881/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$71,370/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$323,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,127
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$40,344
−HK$1,237/mo
Today · 4.125%
HK$41,581
baseline
▲ 0.50% · 4.625%
HK$44,111
+HK$2,530/mo
Deposit HK$953K · loan HK$8.58M · min. income ≈ HK$83,162/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$323,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,529
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$44,696
−HK$1,184/mo
Today · 4.125%
HK$45,880
baseline
▲ 0.50% · 4.625%
HK$48,299
+HK$2,419/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$323,285 · 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).