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$21,858
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$22,538
−HK$691/mo
Today · 4.125%
HK$23,229
baseline
▲ 0.50% · 4.625%
HK$24,643
+HK$1,414/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$46,458/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$328,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,317
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$24,969
−HK$662/mo
Today · 4.125%
HK$25,631
baseline
▲ 0.50% · 4.625%
HK$26,982
+HK$1,351/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$51,262/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$328,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,230
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$27,046
−HK$829/mo
Today · 4.125%
HK$27,875
baseline
▲ 0.50% · 4.625%
HK$29,571
+HK$1,696/mo
Deposit HK$3.83M · loan HK$5.75M · min. income ≈ HK$55,750/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$328,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,181
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$29,963
−HK$794/mo
Today · 4.125%
HK$30,757
baseline
▲ 0.50% · 4.625%
HK$32,379
+HK$1,622/mo
Deposit HK$3.83M · loan HK$5.75M · min. income ≈ HK$61,514/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$328,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,602
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$31,554
−HK$967/mo
Today · 4.125%
HK$32,521
baseline
▲ 0.50% · 4.625%
HK$34,500
+HK$1,979/mo
Deposit HK$2.88M · loan HK$6.71M · min. income ≈ HK$65,042/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$328,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,044
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$34,957
−HK$926/mo
Today · 4.125%
HK$35,883
baseline
▲ 0.50% · 4.625%
HK$37,775
+HK$1,892/mo
Deposit HK$2.88M · loan HK$6.71M · min. income ≈ HK$71,766/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$328,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,345
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$40,569
−HK$1,243/mo
Today · 4.125%
HK$41,812
baseline
▲ 0.50% · 4.625%
HK$44,357
+HK$2,545/mo
Deposit HK$959K · loan HK$8.63M · min. income ≈ HK$83,624/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$328,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,771
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$44,945
−HK$1,191/mo
Today · 4.125%
HK$46,136
baseline
▲ 0.50% · 4.625%
HK$48,568
+HK$2,432/mo
Deposit HK$959K · loan HK$8.63M · min. income ≈ HK$92,272/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$328,596 · 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).