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$21,733
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$22,409
−HK$686/mo
Today · 4.125%
HK$23,095
baseline
▲ 0.50% · 4.625%
HK$24,501
+HK$1,406/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$46,190/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$323,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,177
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$24,826
−HK$657/mo
Today · 4.125%
HK$25,483
baseline
▲ 0.50% · 4.625%
HK$26,827
+HK$1,344/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$50,966/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$323,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,079
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$26,890
−HK$824/mo
Today · 4.125%
HK$27,714
baseline
▲ 0.50% · 4.625%
HK$29,401
+HK$1,687/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$55,428/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$323,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,013
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$29,791
−HK$789/mo
Today · 4.125%
HK$30,580
baseline
▲ 0.50% · 4.625%
HK$32,192
+HK$1,612/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$61,160/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$323,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,426
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$31,372
−HK$962/mo
Today · 4.125%
HK$32,334
baseline
▲ 0.50% · 4.625%
HK$34,301
+HK$1,967/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$64,668/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$323,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,848
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$34,756
−HK$921/mo
Today · 4.125%
HK$35,677
baseline
▲ 0.50% · 4.625%
HK$37,557
+HK$1,880/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$71,354/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$323,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,119
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$40,335
−HK$1,237/mo
Today · 4.125%
HK$41,572
baseline
▲ 0.50% · 4.625%
HK$44,101
+HK$2,529/mo
Deposit HK$953K · loan HK$8.58M · min. income ≈ HK$83,144/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$323,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,519
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$44,686
−HK$1,184/mo
Today · 4.125%
HK$45,870
baseline
▲ 0.50% · 4.625%
HK$48,288
+HK$2,418/mo
Deposit HK$953K · loan HK$8.58M · min. income ≈ HK$91,740/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$323,076 · 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).