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$324,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,221
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$24,870
−HK$659/mo
Today · 4.125%
HK$25,529
baseline
▲ 0.50% · 4.625%
HK$26,875
+HK$1,346/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$51,058/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$324,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,126
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$26,939
−HK$825/mo
Today · 4.125%
HK$27,764
baseline
▲ 0.50% · 4.625%
HK$29,454
+HK$1,690/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$55,528/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$324,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,065
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$29,845
−HK$790/mo
Today · 4.125%
HK$30,635
baseline
▲ 0.50% · 4.625%
HK$32,250
+HK$1,615/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$61,270/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$324,796 · 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$324,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,909
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$34,819
−HK$922/mo
Today · 4.125%
HK$35,741
baseline
▲ 0.50% · 4.625%
HK$37,625
+HK$1,884/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$71,482/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$324,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,189
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$40,408
−HK$1,239/mo
Today · 4.125%
HK$41,647
baseline
▲ 0.50% · 4.625%
HK$44,181
+HK$2,534/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$324,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,598
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$44,767
−HK$1,186/mo
Today · 4.125%
HK$45,953
baseline
▲ 0.50% · 4.625%
HK$48,375
+HK$2,422/mo
Deposit HK$955K · loan HK$8.59M · min. income ≈ HK$91,906/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$324,796 · 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).