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$21,833
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$22,513
−HK$690/mo
Today · 4.125%
HK$23,203
baseline
▲ 0.50% · 4.625%
HK$24,614
+HK$1,411/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$46,406/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$327,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,289
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$24,941
−HK$661/mo
Today · 4.125%
HK$25,602
baseline
▲ 0.50% · 4.625%
HK$26,951
+HK$1,349/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$51,204/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$327,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,200
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$27,015
−HK$828/mo
Today · 4.125%
HK$27,843
baseline
▲ 0.50% · 4.625%
HK$29,537
+HK$1,694/mo
Deposit HK$3.83M · loan HK$5.74M · min. income ≈ HK$55,686/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$327,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,147
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$29,929
−HK$793/mo
Today · 4.125%
HK$30,722
baseline
▲ 0.50% · 4.625%
HK$32,342
+HK$1,620/mo
Deposit HK$3.83M · loan HK$5.74M · min. income ≈ HK$61,444/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$327,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,567
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$31,518
−HK$966/mo
Today · 4.125%
HK$32,484
baseline
▲ 0.50% · 4.625%
HK$34,460
+HK$1,976/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$64,968/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$327,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,005
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$34,917
−HK$925/mo
Today · 4.125%
HK$35,842
baseline
▲ 0.50% · 4.625%
HK$37,732
+HK$1,890/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$71,684/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$327,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,300
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$40,523
−HK$1,242/mo
Today · 4.125%
HK$41,765
baseline
▲ 0.50% · 4.625%
HK$44,306
+HK$2,541/mo
Deposit HK$957K · loan HK$8.62M · min. income ≈ HK$83,530/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$327,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,721
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$44,894
−HK$1,189/mo
Today · 4.125%
HK$46,083
baseline
▲ 0.50% · 4.625%
HK$48,512
+HK$2,429/mo
Deposit HK$957K · loan HK$8.62M · min. income ≈ HK$92,166/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$327,500 · 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).