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$21,718
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$22,393
−HK$686/mo
Today · 4.125%
HK$23,079
baseline
▲ 0.50% · 4.625%
HK$24,484
+HK$1,405/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$46,158/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$322,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,161
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$24,809
−HK$657/mo
Today · 4.125%
HK$25,466
baseline
▲ 0.50% · 4.625%
HK$26,808
+HK$1,342/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$50,932/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$322,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,061
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$26,872
−HK$823/mo
Today · 4.125%
HK$27,695
baseline
▲ 0.50% · 4.625%
HK$29,380
+HK$1,685/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$55,390/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$322,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,993
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$29,770
−HK$789/mo
Today · 4.125%
HK$30,559
baseline
▲ 0.50% · 4.625%
HK$32,170
+HK$1,611/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$61,118/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$322,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,405
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$31,350
−HK$961/mo
Today · 4.125%
HK$32,311
baseline
▲ 0.50% · 4.625%
HK$34,277
+HK$1,966/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$64,622/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$322,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,825
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$34,732
−HK$920/mo
Today · 4.125%
HK$35,652
baseline
▲ 0.50% · 4.625%
HK$37,531
+HK$1,879/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$71,304/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$322,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,092
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$40,308
−HK$1,235/mo
Today · 4.125%
HK$41,543
baseline
▲ 0.50% · 4.625%
HK$44,071
+HK$2,528/mo
Deposit HK$952K · loan HK$8.57M · min. income ≈ HK$83,086/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$322,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,489
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$44,655
−HK$1,184/mo
Today · 4.125%
HK$45,839
baseline
▲ 0.50% · 4.625%
HK$48,255
+HK$2,416/mo
Deposit HK$952K · loan HK$8.57M · min. income ≈ HK$91,678/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$322,416 · 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).