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$21,727
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$22,403
−HK$687/mo
Today · 4.125%
HK$23,090
baseline
▲ 0.50% · 4.625%
HK$24,495
+HK$1,405/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$46,180/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$322,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,172
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$24,820
−HK$657/mo
Today · 4.125%
HK$25,477
baseline
▲ 0.50% · 4.625%
HK$26,820
+HK$1,343/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$50,954/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$322,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,073
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$26,884
−HK$824/mo
Today · 4.125%
HK$27,708
baseline
▲ 0.50% · 4.625%
HK$29,394
+HK$1,686/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$55,416/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$322,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,006
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$29,784
−HK$789/mo
Today · 4.125%
HK$30,573
baseline
▲ 0.50% · 4.625%
HK$32,184
+HK$1,611/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$61,146/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$322,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,418
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$31,365
−HK$961/mo
Today · 4.125%
HK$32,326
baseline
▲ 0.50% · 4.625%
HK$34,293
+HK$1,967/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$64,652/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$322,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,840
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$34,748
−HK$920/mo
Today · 4.125%
HK$35,668
baseline
▲ 0.50% · 4.625%
HK$37,549
+HK$1,881/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$71,336/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$322,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,109
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$40,326
−HK$1,236/mo
Today · 4.125%
HK$41,562
baseline
▲ 0.50% · 4.625%
HK$44,091
+HK$2,529/mo
Deposit HK$953K · loan HK$8.58M · min. income ≈ HK$83,124/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$322,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,509
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$44,676
−HK$1,183/mo
Today · 4.125%
HK$45,859
baseline
▲ 0.50% · 4.625%
HK$48,277
+HK$2,418/mo
Deposit HK$953K · loan HK$8.58M · min. income ≈ HK$91,718/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$322,849 · 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).