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$21,754
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$22,431
−HK$687/mo
Today · 4.125%
HK$23,118
baseline
▲ 0.50% · 4.625%
HK$24,525
+HK$1,407/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$46,236/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$324,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,201
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$24,850
−HK$659/mo
Today · 4.125%
HK$25,509
baseline
▲ 0.50% · 4.625%
HK$26,853
+HK$1,344/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$51,018/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$324,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,105
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$26,917
−HK$825/mo
Today · 4.125%
HK$27,742
baseline
▲ 0.50% · 4.625%
HK$29,430
+HK$1,688/mo
Deposit HK$3.82M · loan HK$5.72M · min. income ≈ HK$55,484/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$324,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,041
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$29,820
−HK$790/mo
Today · 4.125%
HK$30,610
baseline
▲ 0.50% · 4.625%
HK$32,224
+HK$1,614/mo
Deposit HK$3.82M · loan HK$5.72M · min. income ≈ HK$61,220/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$324,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,456
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$31,403
−HK$962/mo
Today · 4.125%
HK$32,365
baseline
▲ 0.50% · 4.625%
HK$34,335
+HK$1,970/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$64,730/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$324,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,882
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$34,790
−HK$922/mo
Today · 4.125%
HK$35,712
baseline
▲ 0.50% · 4.625%
HK$37,594
+HK$1,882/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$71,424/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$324,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,157
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$40,375
−HK$1,238/mo
Today · 4.125%
HK$41,613
baseline
▲ 0.50% · 4.625%
HK$44,145
+HK$2,532/mo
Deposit HK$954K · loan HK$8.59M · min. income ≈ HK$83,226/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$324,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,562
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$44,730
−HK$1,185/mo
Today · 4.125%
HK$45,915
baseline
▲ 0.50% · 4.625%
HK$48,336
+HK$2,421/mo
Deposit HK$954K · loan HK$8.59M · min. income ≈ HK$91,830/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$324,016 · 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).