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$21,849
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$22,528
−HK$691/mo
Today · 4.125%
HK$23,219
baseline
▲ 0.50% · 4.625%
HK$24,632
+HK$1,413/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$46,438/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$328,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,306
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$24,958
−HK$662/mo
Today · 4.125%
HK$25,620
baseline
▲ 0.50% · 4.625%
HK$26,970
+HK$1,350/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$51,240/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$328,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,218
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$27,034
−HK$828/mo
Today · 4.125%
HK$27,862
baseline
▲ 0.50% · 4.625%
HK$29,558
+HK$1,696/mo
Deposit HK$3.83M · loan HK$5.75M · min. income ≈ HK$55,724/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$328,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,168
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$29,950
−HK$793/mo
Today · 4.125%
HK$30,743
baseline
▲ 0.50% · 4.625%
HK$32,364
+HK$1,621/mo
Deposit HK$3.83M · loan HK$5.75M · min. income ≈ HK$61,486/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$328,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,588
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$31,540
−HK$966/mo
Today · 4.125%
HK$32,506
baseline
▲ 0.50% · 4.625%
HK$34,484
+HK$1,978/mo
Deposit HK$2.87M · loan HK$6.71M · min. income ≈ HK$65,012/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$328,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,029
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$34,942
−HK$925/mo
Today · 4.125%
HK$35,867
baseline
▲ 0.50% · 4.625%
HK$37,758
+HK$1,891/mo
Deposit HK$2.87M · loan HK$6.71M · min. income ≈ HK$71,734/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$328,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,328
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$40,551
−HK$1,243/mo
Today · 4.125%
HK$41,794
baseline
▲ 0.50% · 4.625%
HK$44,337
+HK$2,543/mo
Deposit HK$958K · loan HK$8.62M · min. income ≈ HK$83,588/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$328,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,751
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$44,925
−HK$1,190/mo
Today · 4.125%
HK$46,115
baseline
▲ 0.50% · 4.625%
HK$48,546
+HK$2,431/mo
Deposit HK$958K · loan HK$8.62M · min. income ≈ HK$92,230/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$328,166 · 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).