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$21,686
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$22,360
−HK$686/mo
Today · 4.125%
HK$23,046
baseline
▲ 0.50% · 4.625%
HK$24,448
+HK$1,402/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$46,092/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$321,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,125
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$24,772
−HK$657/mo
Today · 4.125%
HK$25,429
baseline
▲ 0.50% · 4.625%
HK$26,769
+HK$1,340/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$50,858/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$321,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,023
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$26,832
−HK$823/mo
Today · 4.125%
HK$27,655
baseline
▲ 0.50% · 4.625%
HK$29,338
+HK$1,683/mo
Deposit HK$3.80M · loan HK$5.71M · min. income ≈ HK$55,310/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$321,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,950
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$29,727
−HK$787/mo
Today · 4.125%
HK$30,514
baseline
▲ 0.50% · 4.625%
HK$32,123
+HK$1,609/mo
Deposit HK$3.80M · loan HK$5.71M · min. income ≈ HK$61,028/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$321,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,360
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$31,305
−HK$959/mo
Today · 4.125%
HK$32,264
baseline
▲ 0.50% · 4.625%
HK$34,227
+HK$1,963/mo
Deposit HK$2.85M · loan HK$6.66M · min. income ≈ HK$64,528/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$321,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,775
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$34,681
−HK$919/mo
Today · 4.125%
HK$35,600
baseline
▲ 0.50% · 4.625%
HK$37,477
+HK$1,877/mo
Deposit HK$2.85M · loan HK$6.66M · min. income ≈ HK$71,200/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$321,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,035
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$40,249
−HK$1,233/mo
Today · 4.125%
HK$41,482
baseline
▲ 0.50% · 4.625%
HK$44,006
+HK$2,524/mo
Deposit HK$951K · loan HK$8.56M · min. income ≈ HK$82,964/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$321,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,426
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$44,590
−HK$1,182/mo
Today · 4.125%
HK$45,772
baseline
▲ 0.50% · 4.625%
HK$48,184
+HK$2,412/mo
Deposit HK$951K · loan HK$8.56M · min. income ≈ HK$91,544/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$321,028 · 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).