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$21,841
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$22,520
−HK$691/mo
Today · 4.125%
HK$23,211
baseline
▲ 0.50% · 4.625%
HK$24,623
+HK$1,412/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$46,422/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$327,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,298
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$24,950
−HK$661/mo
Today · 4.125%
HK$25,611
baseline
▲ 0.50% · 4.625%
HK$26,961
+HK$1,350/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$51,222/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$327,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,209
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$27,024
−HK$829/mo
Today · 4.125%
HK$27,853
baseline
▲ 0.50% · 4.625%
HK$29,548
+HK$1,695/mo
Deposit HK$3.83M · loan HK$5.75M · min. income ≈ HK$55,706/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$327,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,157
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$29,939
−HK$794/mo
Today · 4.125%
HK$30,733
baseline
▲ 0.50% · 4.625%
HK$32,353
+HK$1,620/mo
Deposit HK$3.83M · loan HK$5.75M · min. income ≈ HK$61,466/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$327,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,577
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$31,529
−HK$966/mo
Today · 4.125%
HK$32,495
baseline
▲ 0.50% · 4.625%
HK$34,472
+HK$1,977/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$64,990/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$327,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,017
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$34,929
−HK$926/mo
Today · 4.125%
HK$35,855
baseline
▲ 0.50% · 4.625%
HK$37,745
+HK$1,890/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$71,710/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$327,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,314
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$40,537
−HK$1,242/mo
Today · 4.125%
HK$41,779
baseline
▲ 0.50% · 4.625%
HK$44,321
+HK$2,542/mo
Deposit HK$958K · loan HK$8.62M · min. income ≈ HK$83,558/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$327,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,736
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$44,909
−HK$1,190/mo
Today · 4.125%
HK$46,099
baseline
▲ 0.50% · 4.625%
HK$48,529
+HK$2,430/mo
Deposit HK$958K · loan HK$8.62M · min. income ≈ HK$92,198/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$327,832 · 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).