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$21,696
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$22,371
−HK$685/mo
Today · 4.125%
HK$23,056
baseline
▲ 0.50% · 4.625%
HK$24,459
+HK$1,403/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$46,112/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$321,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,136
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$24,784
−HK$656/mo
Today · 4.125%
HK$25,440
baseline
▲ 0.50% · 4.625%
HK$26,781
+HK$1,341/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$50,880/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$321,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,035
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$26,845
−HK$823/mo
Today · 4.125%
HK$27,668
baseline
▲ 0.50% · 4.625%
HK$29,351
+HK$1,683/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$55,336/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$321,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,964
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$29,740
−HK$788/mo
Today · 4.125%
HK$30,528
baseline
▲ 0.50% · 4.625%
HK$32,138
+HK$1,610/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$61,056/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$321,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,374
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$31,319
−HK$960/mo
Today · 4.125%
HK$32,279
baseline
▲ 0.50% · 4.625%
HK$34,243
+HK$1,964/mo
Deposit HK$2.85M · loan HK$6.66M · min. income ≈ HK$64,558/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$321,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,791
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$34,697
−HK$920/mo
Today · 4.125%
HK$35,617
baseline
▲ 0.50% · 4.625%
HK$37,494
+HK$1,877/mo
Deposit HK$2.85M · loan HK$6.66M · min. income ≈ HK$71,234/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$321,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,052
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$40,267
−HK$1,234/mo
Today · 4.125%
HK$41,501
baseline
▲ 0.50% · 4.625%
HK$44,027
+HK$2,526/mo
Deposit HK$951K · loan HK$8.56M · min. income ≈ HK$83,002/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$321,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,446
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$44,611
−HK$1,182/mo
Today · 4.125%
HK$45,793
baseline
▲ 0.50% · 4.625%
HK$48,207
+HK$2,414/mo
Deposit HK$951K · loan HK$8.56M · min. income ≈ HK$91,586/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$321,465 · 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).