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$21,772
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$22,449
−HK$688/mo
Today · 4.125%
HK$23,137
baseline
▲ 0.50% · 4.625%
HK$24,545
+HK$1,408/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$46,274/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$324,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,221
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$24,871
−HK$659/mo
Today · 4.125%
HK$25,530
baseline
▲ 0.50% · 4.625%
HK$26,876
+HK$1,346/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$51,060/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$324,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,127
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$26,939
−HK$826/mo
Today · 4.125%
HK$27,765
baseline
▲ 0.50% · 4.625%
HK$29,454
+HK$1,689/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$55,530/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$324,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,066
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$29,845
−HK$791/mo
Today · 4.125%
HK$30,636
baseline
▲ 0.50% · 4.625%
HK$32,251
+HK$1,615/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$61,272/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$324,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,481
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$31,429
−HK$963/mo
Today · 4.125%
HK$32,392
baseline
▲ 0.50% · 4.625%
HK$34,363
+HK$1,971/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$64,784/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$324,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,910
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$34,819
−HK$923/mo
Today · 4.125%
HK$35,742
baseline
▲ 0.50% · 4.625%
HK$37,626
+HK$1,884/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$71,484/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$324,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,190
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$40,409
−HK$1,238/mo
Today · 4.125%
HK$41,647
baseline
▲ 0.50% · 4.625%
HK$44,182
+HK$2,535/mo
Deposit HK$955K · loan HK$8.59M · min. income ≈ HK$83,294/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$324,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,598
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$44,768
−HK$1,186/mo
Today · 4.125%
HK$45,954
baseline
▲ 0.50% · 4.625%
HK$48,376
+HK$2,422/mo
Deposit HK$955K · loan HK$8.59M · min. income ≈ HK$91,908/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$324,811 · 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).