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$21,764
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$22,441
−HK$688/mo
Today · 4.125%
HK$23,129
baseline
▲ 0.50% · 4.625%
HK$24,536
+HK$1,407/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$46,258/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$324,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,212
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$24,861
−HK$659/mo
Today · 4.125%
HK$25,520
baseline
▲ 0.50% · 4.625%
HK$26,865
+HK$1,345/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$51,040/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$324,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,117
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$26,929
−HK$825/mo
Today · 4.125%
HK$27,754
baseline
▲ 0.50% · 4.625%
HK$29,443
+HK$1,689/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$55,508/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$324,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,054
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$29,834
−HK$790/mo
Today · 4.125%
HK$30,624
baseline
▲ 0.50% · 4.625%
HK$32,238
+HK$1,614/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$61,248/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$324,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,469
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$31,417
−HK$963/mo
Today · 4.125%
HK$32,380
baseline
▲ 0.50% · 4.625%
HK$34,350
+HK$1,970/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$64,760/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$324,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,897
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$34,806
−HK$922/mo
Today · 4.125%
HK$35,728
baseline
▲ 0.50% · 4.625%
HK$37,611
+HK$1,883/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$71,456/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$324,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,175
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$40,393
−HK$1,238/mo
Today · 4.125%
HK$41,631
baseline
▲ 0.50% · 4.625%
HK$44,165
+HK$2,534/mo
Deposit HK$954K · loan HK$8.59M · min. income ≈ HK$83,262/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$324,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,582
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$44,750
−HK$1,186/mo
Today · 4.125%
HK$45,936
baseline
▲ 0.50% · 4.625%
HK$48,358
+HK$2,422/mo
Deposit HK$954K · loan HK$8.59M · min. income ≈ HK$91,872/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$324,445 · 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).