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$21,702
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$22,377
−HK$686/mo
Today · 4.125%
HK$23,063
baseline
▲ 0.50% · 4.625%
HK$24,466
+HK$1,403/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$46,126/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$321,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,143
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$24,791
−HK$656/mo
Today · 4.125%
HK$25,447
baseline
▲ 0.50% · 4.625%
HK$26,789
+HK$1,342/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$50,894/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$321,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,042
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$26,852
−HK$823/mo
Today · 4.125%
HK$27,675
baseline
▲ 0.50% · 4.625%
HK$29,359
+HK$1,684/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$55,350/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$321,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,972
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$29,749
−HK$788/mo
Today · 4.125%
HK$30,537
baseline
▲ 0.50% · 4.625%
HK$32,146
+HK$1,609/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$61,074/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$321,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,382
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$31,328
−HK$960/mo
Today · 4.125%
HK$32,288
baseline
▲ 0.50% · 4.625%
HK$34,252
+HK$1,964/mo
Deposit HK$2.86M · loan HK$6.66M · min. income ≈ HK$64,576/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$321,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,800
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$34,707
−HK$919/mo
Today · 4.125%
HK$35,626
baseline
▲ 0.50% · 4.625%
HK$37,504
+HK$1,878/mo
Deposit HK$2.86M · loan HK$6.66M · min. income ≈ HK$71,252/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$321,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,063
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$40,278
−HK$1,235/mo
Today · 4.125%
HK$41,513
baseline
▲ 0.50% · 4.625%
HK$44,039
+HK$2,526/mo
Deposit HK$952K · loan HK$8.57M · min. income ≈ HK$83,026/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$321,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,457
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$44,623
−HK$1,182/mo
Today · 4.125%
HK$45,805
baseline
▲ 0.50% · 4.625%
HK$48,220
+HK$2,415/mo
Deposit HK$952K · loan HK$8.57M · min. income ≈ HK$91,610/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$321,725 · 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).