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$21,848
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$22,528
−HK$690/mo
Today · 4.125%
HK$23,218
baseline
▲ 0.50% · 4.625%
HK$24,631
+HK$1,413/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$46,436/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$328,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,306
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$24,958
−HK$661/mo
Today · 4.125%
HK$25,619
baseline
▲ 0.50% · 4.625%
HK$26,969
+HK$1,350/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$51,238/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$328,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,218
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$27,033
−HK$829/mo
Today · 4.125%
HK$27,862
baseline
▲ 0.50% · 4.625%
HK$29,557
+HK$1,695/mo
Deposit HK$3.83M · loan HK$5.75M · min. income ≈ HK$55,724/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$328,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,167
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$29,949
−HK$794/mo
Today · 4.125%
HK$30,743
baseline
▲ 0.50% · 4.625%
HK$32,363
+HK$1,620/mo
Deposit HK$3.83M · loan HK$5.75M · min. income ≈ HK$61,486/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$328,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,587
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$31,539
−HK$966/mo
Today · 4.125%
HK$32,505
baseline
▲ 0.50% · 4.625%
HK$34,483
+HK$1,978/mo
Deposit HK$2.87M · loan HK$6.71M · min. income ≈ HK$65,010/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$328,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,028
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$34,941
−HK$925/mo
Today · 4.125%
HK$35,866
baseline
▲ 0.50% · 4.625%
HK$37,757
+HK$1,891/mo
Deposit HK$2.87M · loan HK$6.71M · min. income ≈ HK$71,732/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$328,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,326
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$40,550
−HK$1,242/mo
Today · 4.125%
HK$41,792
baseline
▲ 0.50% · 4.625%
HK$44,335
+HK$2,543/mo
Deposit HK$958K · loan HK$8.62M · min. income ≈ HK$83,584/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$328,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,750
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$44,924
−HK$1,190/mo
Today · 4.125%
HK$46,114
baseline
▲ 0.50% · 4.625%
HK$48,545
+HK$2,431/mo
Deposit HK$958K · loan HK$8.62M · min. income ≈ HK$92,228/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$328,137 · 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).