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$21,866
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$22,546
−HK$691/mo
Today · 4.125%
HK$23,237
baseline
▲ 0.50% · 4.625%
HK$24,651
+HK$1,414/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$46,474/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$328,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,326
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$24,978
−HK$662/mo
Today · 4.125%
HK$25,640
baseline
▲ 0.50% · 4.625%
HK$26,992
+HK$1,352/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$51,280/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$328,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,240
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$27,056
−HK$829/mo
Today · 4.125%
HK$27,885
baseline
▲ 0.50% · 4.625%
HK$29,582
+HK$1,697/mo
Deposit HK$3.84M · loan HK$5.75M · min. income ≈ HK$55,770/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$328,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,191
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$29,974
−HK$794/mo
Today · 4.125%
HK$30,768
baseline
▲ 0.50% · 4.625%
HK$32,390
+HK$1,622/mo
Deposit HK$3.84M · loan HK$5.75M · min. income ≈ HK$61,536/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$328,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,613
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$31,565
−HK$967/mo
Today · 4.125%
HK$32,532
baseline
▲ 0.50% · 4.625%
HK$34,512
+HK$1,980/mo
Deposit HK$2.88M · loan HK$6.71M · min. income ≈ HK$65,064/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$328,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,056
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$34,970
−HK$926/mo
Today · 4.125%
HK$35,896
baseline
▲ 0.50% · 4.625%
HK$37,789
+HK$1,893/mo
Deposit HK$2.88M · loan HK$6.71M · min. income ≈ HK$71,792/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$328,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,359
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$40,584
−HK$1,243/mo
Today · 4.125%
HK$41,827
baseline
▲ 0.50% · 4.625%
HK$44,373
+HK$2,546/mo
Deposit HK$959K · loan HK$8.63M · min. income ≈ HK$83,654/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$328,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,787
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$44,961
−HK$1,191/mo
Today · 4.125%
HK$46,152
baseline
▲ 0.50% · 4.625%
HK$48,585
+HK$2,433/mo
Deposit HK$959K · loan HK$8.63M · min. income ≈ HK$92,304/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$328,940 · 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).