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$21,735
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$22,411
−HK$687/mo
Today · 4.125%
HK$23,098
baseline
▲ 0.50% · 4.625%
HK$24,504
+HK$1,406/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$46,196/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$323,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,180
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$24,829
−HK$658/mo
Today · 4.125%
HK$25,487
baseline
▲ 0.50% · 4.625%
HK$26,830
+HK$1,343/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$50,974/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$323,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,082
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$26,894
−HK$824/mo
Today · 4.125%
HK$27,718
baseline
▲ 0.50% · 4.625%
HK$29,404
+HK$1,686/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$55,436/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$323,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,016
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$29,795
−HK$789/mo
Today · 4.125%
HK$30,584
baseline
▲ 0.50% · 4.625%
HK$32,196
+HK$1,612/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$61,168/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$323,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,429
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$31,376
−HK$962/mo
Today · 4.125%
HK$32,338
baseline
▲ 0.50% · 4.625%
HK$34,305
+HK$1,967/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$64,676/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$323,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,852
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$34,760
−HK$921/mo
Today · 4.125%
HK$35,681
baseline
▲ 0.50% · 4.625%
HK$37,562
+HK$1,881/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$71,362/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$323,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,124
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$40,340
−HK$1,237/mo
Today · 4.125%
HK$41,577
baseline
▲ 0.50% · 4.625%
HK$44,107
+HK$2,530/mo
Deposit HK$953K · loan HK$8.58M · min. income ≈ HK$83,154/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$323,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,525
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$44,692
−HK$1,184/mo
Today · 4.125%
HK$45,876
baseline
▲ 0.50% · 4.625%
HK$48,294
+HK$2,418/mo
Deposit HK$953K · loan HK$8.58M · min. income ≈ HK$91,752/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$323,195 · 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).