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$21,750
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$22,427
−HK$687/mo
Today · 4.125%
HK$23,114
baseline
▲ 0.50% · 4.625%
HK$24,520
+HK$1,406/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$46,228/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$323,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,197
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$24,846
−HK$658/mo
Today · 4.125%
HK$25,504
baseline
▲ 0.50% · 4.625%
HK$26,848
+HK$1,344/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$51,008/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$323,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,100
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$26,912
−HK$825/mo
Today · 4.125%
HK$27,737
baseline
▲ 0.50% · 4.625%
HK$29,424
+HK$1,687/mo
Deposit HK$3.82M · loan HK$5.72M · min. income ≈ HK$55,474/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$323,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,036
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$29,815
−HK$790/mo
Today · 4.125%
HK$30,605
baseline
▲ 0.50% · 4.625%
HK$32,218
+HK$1,613/mo
Deposit HK$3.82M · loan HK$5.72M · min. income ≈ HK$61,210/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$323,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,450
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$31,397
−HK$963/mo
Today · 4.125%
HK$32,360
baseline
▲ 0.50% · 4.625%
HK$34,329
+HK$1,969/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$64,720/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$323,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,875
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$34,784
−HK$922/mo
Today · 4.125%
HK$35,706
baseline
▲ 0.50% · 4.625%
HK$37,588
+HK$1,882/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$71,412/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$323,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,150
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$40,368
−HK$1,237/mo
Today · 4.125%
HK$41,605
baseline
▲ 0.50% · 4.625%
HK$44,137
+HK$2,532/mo
Deposit HK$954K · loan HK$8.58M · min. income ≈ HK$83,210/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$323,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,554
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$44,722
−HK$1,185/mo
Today · 4.125%
HK$45,907
baseline
▲ 0.50% · 4.625%
HK$48,327
+HK$2,420/mo
Deposit HK$954K · loan HK$8.58M · min. income ≈ HK$91,814/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$323,843 · 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).