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$21,827
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$22,506
−HK$689/mo
Today · 4.125%
HK$23,195
baseline
▲ 0.50% · 4.625%
HK$24,607
+HK$1,412/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$46,390/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$327,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,282
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$24,933
−HK$661/mo
Today · 4.125%
HK$25,594
baseline
▲ 0.50% · 4.625%
HK$26,943
+HK$1,349/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$51,188/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$327,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,192
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$27,007
−HK$828/mo
Today · 4.125%
HK$27,835
baseline
▲ 0.50% · 4.625%
HK$29,528
+HK$1,693/mo
Deposit HK$3.83M · loan HK$5.74M · min. income ≈ HK$55,670/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$327,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,138
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$29,920
−HK$793/mo
Today · 4.125%
HK$30,713
baseline
▲ 0.50% · 4.625%
HK$32,332
+HK$1,619/mo
Deposit HK$3.83M · loan HK$5.74M · min. income ≈ HK$61,426/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$327,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,557
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$31,508
−HK$966/mo
Today · 4.125%
HK$32,474
baseline
▲ 0.50% · 4.625%
HK$34,450
+HK$1,976/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$64,948/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$327,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,995
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$34,907
−HK$924/mo
Today · 4.125%
HK$35,831
baseline
▲ 0.50% · 4.625%
HK$37,720
+HK$1,889/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$71,662/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$327,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,288
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$40,510
−HK$1,242/mo
Today · 4.125%
HK$41,752
baseline
▲ 0.50% · 4.625%
HK$44,292
+HK$2,540/mo
Deposit HK$957K · loan HK$8.61M · min. income ≈ HK$83,504/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$327,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,708
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$44,880
−HK$1,189/mo
Today · 4.125%
HK$46,069
baseline
▲ 0.50% · 4.625%
HK$48,497
+HK$2,428/mo
Deposit HK$957K · loan HK$8.61M · min. income ≈ HK$92,138/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$327,205 · 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).