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$21,842
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$22,521
−HK$690/mo
Today · 4.125%
HK$23,211
baseline
▲ 0.50% · 4.625%
HK$24,624
+HK$1,413/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$46,422/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$327,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,299
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$24,950
−HK$662/mo
Today · 4.125%
HK$25,612
baseline
▲ 0.50% · 4.625%
HK$26,962
+HK$1,350/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$51,224/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$327,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,210
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$27,025
−HK$829/mo
Today · 4.125%
HK$27,854
baseline
▲ 0.50% · 4.625%
HK$29,549
+HK$1,695/mo
Deposit HK$3.83M · loan HK$5.75M · min. income ≈ HK$55,708/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$327,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,158
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$29,940
−HK$794/mo
Today · 4.125%
HK$30,734
baseline
▲ 0.50% · 4.625%
HK$32,354
+HK$1,620/mo
Deposit HK$3.83M · loan HK$5.75M · min. income ≈ HK$61,468/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$327,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,578
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$31,530
−HK$966/mo
Today · 4.125%
HK$32,496
baseline
▲ 0.50% · 4.625%
HK$34,473
+HK$1,977/mo
Deposit HK$2.87M · loan HK$6.71M · min. income ≈ HK$64,992/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$327,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,018
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$34,931
−HK$925/mo
Today · 4.125%
HK$35,856
baseline
▲ 0.50% · 4.625%
HK$37,746
+HK$1,890/mo
Deposit HK$2.87M · loan HK$6.71M · min. income ≈ HK$71,712/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$327,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,315
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$40,538
−HK$1,243/mo
Today · 4.125%
HK$41,781
baseline
▲ 0.50% · 4.625%
HK$44,323
+HK$2,542/mo
Deposit HK$958K · loan HK$8.62M · min. income ≈ HK$83,562/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$327,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,738
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$44,911
−HK$1,190/mo
Today · 4.125%
HK$46,101
baseline
▲ 0.50% · 4.625%
HK$48,531
+HK$2,430/mo
Deposit HK$958K · loan HK$8.62M · min. income ≈ HK$92,202/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$327,864 · 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).