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$21,695
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$22,370
−HK$686/mo
Today · 4.125%
HK$23,056
baseline
▲ 0.50% · 4.625%
HK$24,459
+HK$1,403/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$46,112/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$321,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,136
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$24,783
−HK$657/mo
Today · 4.125%
HK$25,440
baseline
▲ 0.50% · 4.625%
HK$26,781
+HK$1,341/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$50,880/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$321,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,034
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$26,844
−HK$823/mo
Today · 4.125%
HK$27,667
baseline
▲ 0.50% · 4.625%
HK$29,351
+HK$1,684/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$55,334/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$321,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,963
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$29,740
−HK$788/mo
Today · 4.125%
HK$30,528
baseline
▲ 0.50% · 4.625%
HK$32,137
+HK$1,609/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$61,056/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$321,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,374
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$31,318
−HK$960/mo
Today · 4.125%
HK$32,278
baseline
▲ 0.50% · 4.625%
HK$34,242
+HK$1,964/mo
Deposit HK$2.85M · loan HK$6.66M · min. income ≈ HK$64,556/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$321,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,790
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$34,697
−HK$919/mo
Today · 4.125%
HK$35,616
baseline
▲ 0.50% · 4.625%
HK$37,493
+HK$1,877/mo
Deposit HK$2.85M · loan HK$6.66M · min. income ≈ HK$71,232/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$321,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,052
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$40,266
−HK$1,235/mo
Today · 4.125%
HK$41,501
baseline
▲ 0.50% · 4.625%
HK$44,026
+HK$2,525/mo
Deposit HK$951K · loan HK$8.56M · min. income ≈ HK$83,002/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$321,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,445
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$44,610
−HK$1,182/mo
Today · 4.125%
HK$45,792
baseline
▲ 0.50% · 4.625%
HK$48,206
+HK$2,414/mo
Deposit HK$951K · loan HK$8.56M · min. income ≈ HK$91,584/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$321,446 · 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).