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$21,724
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$22,400
−HK$686/mo
Today · 4.125%
HK$23,086
baseline
▲ 0.50% · 4.625%
HK$24,491
+HK$1,405/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$46,172/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$322,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,168
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$24,816
−HK$657/mo
Today · 4.125%
HK$25,473
baseline
▲ 0.50% · 4.625%
HK$26,816
+HK$1,343/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$50,946/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$322,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,069
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$26,880
−HK$823/mo
Today · 4.125%
HK$27,703
baseline
▲ 0.50% · 4.625%
HK$29,389
+HK$1,686/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$55,406/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$322,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,001
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$29,779
−HK$789/mo
Today · 4.125%
HK$30,568
baseline
▲ 0.50% · 4.625%
HK$32,179
+HK$1,611/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$61,136/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$322,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,413
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$31,359
−HK$962/mo
Today · 4.125%
HK$32,321
baseline
▲ 0.50% · 4.625%
HK$34,287
+HK$1,966/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$64,642/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$322,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,835
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$34,742
−HK$921/mo
Today · 4.125%
HK$35,663
baseline
▲ 0.50% · 4.625%
HK$37,542
+HK$1,879/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$71,326/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$322,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,103
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$40,319
−HK$1,236/mo
Today · 4.125%
HK$41,555
baseline
▲ 0.50% · 4.625%
HK$44,084
+HK$2,529/mo
Deposit HK$953K · loan HK$8.57M · min. income ≈ HK$83,110/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$322,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,502
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$44,668
−HK$1,184/mo
Today · 4.125%
HK$45,852
baseline
▲ 0.50% · 4.625%
HK$48,269
+HK$2,417/mo
Deposit HK$953K · loan HK$8.57M · min. income ≈ HK$91,704/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$322,694 · 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).