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$21,753
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$22,429
−HK$688/mo
Today · 4.125%
HK$23,117
baseline
▲ 0.50% · 4.625%
HK$24,524
+HK$1,407/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$46,234/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$323,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,200
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$24,849
−HK$658/mo
Today · 4.125%
HK$25,507
baseline
▲ 0.50% · 4.625%
HK$26,852
+HK$1,345/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$51,014/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$323,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,103
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$26,915
−HK$825/mo
Today · 4.125%
HK$27,740
baseline
▲ 0.50% · 4.625%
HK$29,428
+HK$1,688/mo
Deposit HK$3.82M · loan HK$5.72M · min. income ≈ HK$55,480/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$323,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,040
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$29,819
−HK$790/mo
Today · 4.125%
HK$30,609
baseline
▲ 0.50% · 4.625%
HK$32,222
+HK$1,613/mo
Deposit HK$3.82M · loan HK$5.72M · min. income ≈ HK$61,218/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$323,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,454
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$31,401
−HK$963/mo
Today · 4.125%
HK$32,364
baseline
▲ 0.50% · 4.625%
HK$34,333
+HK$1,969/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$64,728/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$323,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,880
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$34,788
−HK$922/mo
Today · 4.125%
HK$35,710
baseline
▲ 0.50% · 4.625%
HK$37,593
+HK$1,883/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$71,420/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$323,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,155
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$40,373
−HK$1,238/mo
Today · 4.125%
HK$41,611
baseline
▲ 0.50% · 4.625%
HK$44,142
+HK$2,531/mo
Deposit HK$954K · loan HK$8.59M · min. income ≈ HK$83,222/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$323,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,560
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$44,728
−HK$1,185/mo
Today · 4.125%
HK$45,913
baseline
▲ 0.50% · 4.625%
HK$48,333
+HK$2,420/mo
Deposit HK$954K · loan HK$8.59M · min. income ≈ HK$91,826/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$323,966 · 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).