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$21,706
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$22,381
−HK$686/mo
Today · 4.125%
HK$23,067
baseline
▲ 0.50% · 4.625%
HK$24,471
+HK$1,404/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$46,134/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$321,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,148
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$24,795
−HK$657/mo
Today · 4.125%
HK$25,452
baseline
▲ 0.50% · 4.625%
HK$26,794
+HK$1,342/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$50,904/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$321,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,047
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$26,858
−HK$823/mo
Today · 4.125%
HK$27,681
baseline
▲ 0.50% · 4.625%
HK$29,365
+HK$1,684/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$55,362/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$321,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,977
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$29,755
−HK$788/mo
Today · 4.125%
HK$30,543
baseline
▲ 0.50% · 4.625%
HK$32,153
+HK$1,610/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$61,086/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$321,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,389
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$31,334
−HK$960/mo
Today · 4.125%
HK$32,294
baseline
▲ 0.50% · 4.625%
HK$34,259
+HK$1,965/mo
Deposit HK$2.86M · loan HK$6.66M · min. income ≈ HK$64,588/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$321,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,807
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$34,714
−HK$919/mo
Today · 4.125%
HK$35,633
baseline
▲ 0.50% · 4.625%
HK$37,512
+HK$1,879/mo
Deposit HK$2.86M · loan HK$6.66M · min. income ≈ HK$71,266/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$321,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,071
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$40,286
−HK$1,235/mo
Today · 4.125%
HK$41,521
baseline
▲ 0.50% · 4.625%
HK$44,047
+HK$2,526/mo
Deposit HK$952K · loan HK$8.57M · min. income ≈ HK$83,042/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$321,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,466
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$44,632
−HK$1,182/mo
Today · 4.125%
HK$45,814
baseline
▲ 0.50% · 4.625%
HK$48,229
+HK$2,415/mo
Deposit HK$952K · loan HK$8.57M · min. income ≈ HK$91,628/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$321,914 · 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).