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$21,762
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$22,439
−HK$688/mo
Today · 4.125%
HK$23,127
baseline
▲ 0.50% · 4.625%
HK$24,534
+HK$1,407/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$46,254/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$324,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,210
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$24,860
−HK$658/mo
Today · 4.125%
HK$25,518
baseline
▲ 0.50% · 4.625%
HK$26,863
+HK$1,345/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$51,036/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$324,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,115
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$26,927
−HK$825/mo
Today · 4.125%
HK$27,752
baseline
▲ 0.50% · 4.625%
HK$29,441
+HK$1,689/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$55,504/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$324,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,052
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$29,832
−HK$790/mo
Today · 4.125%
HK$30,622
baseline
▲ 0.50% · 4.625%
HK$32,236
+HK$1,614/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$61,244/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$324,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,467
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$31,415
−HK$963/mo
Today · 4.125%
HK$32,378
baseline
▲ 0.50% · 4.625%
HK$34,348
+HK$1,970/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$64,756/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$324,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,894
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$34,804
−HK$922/mo
Today · 4.125%
HK$35,726
baseline
▲ 0.50% · 4.625%
HK$37,609
+HK$1,883/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$71,452/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$324,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,172
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$40,391
−HK$1,238/mo
Today · 4.125%
HK$41,629
baseline
▲ 0.50% · 4.625%
HK$44,162
+HK$2,533/mo
Deposit HK$954K · loan HK$8.59M · min. income ≈ HK$83,258/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$324,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,579
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$44,747
−HK$1,186/mo
Today · 4.125%
HK$45,933
baseline
▲ 0.50% · 4.625%
HK$48,354
+HK$2,421/mo
Deposit HK$954K · loan HK$8.59M · min. income ≈ HK$91,866/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$324,380 · 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).