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$21,850
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$22,530
−HK$690/mo
Today · 4.125%
HK$23,220
baseline
▲ 0.50% · 4.625%
HK$24,633
+HK$1,413/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$46,440/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$328,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,308
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$24,960
−HK$661/mo
Today · 4.125%
HK$25,621
baseline
▲ 0.50% · 4.625%
HK$26,972
+HK$1,351/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$51,242/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$328,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,220
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$27,036
−HK$828/mo
Today · 4.125%
HK$27,864
baseline
▲ 0.50% · 4.625%
HK$29,560
+HK$1,696/mo
Deposit HK$3.83M · loan HK$5.75M · min. income ≈ HK$55,728/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$328,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,169
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$29,952
−HK$793/mo
Today · 4.125%
HK$30,745
baseline
▲ 0.50% · 4.625%
HK$32,366
+HK$1,621/mo
Deposit HK$3.83M · loan HK$5.75M · min. income ≈ HK$61,490/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$328,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,590
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$31,541
−HK$967/mo
Today · 4.125%
HK$32,508
baseline
▲ 0.50% · 4.625%
HK$34,486
+HK$1,978/mo
Deposit HK$2.87M · loan HK$6.71M · min. income ≈ HK$65,016/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$328,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,031
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$34,944
−HK$926/mo
Today · 4.125%
HK$35,870
baseline
▲ 0.50% · 4.625%
HK$37,760
+HK$1,890/mo
Deposit HK$2.87M · loan HK$6.71M · min. income ≈ HK$71,740/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$328,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,330
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$40,553
−HK$1,243/mo
Today · 4.125%
HK$41,796
baseline
▲ 0.50% · 4.625%
HK$44,339
+HK$2,543/mo
Deposit HK$958K · loan HK$8.62M · min. income ≈ HK$83,592/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$328,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,754
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$44,928
−HK$1,190/mo
Today · 4.125%
HK$46,118
baseline
▲ 0.50% · 4.625%
HK$48,549
+HK$2,431/mo
Deposit HK$958K · loan HK$8.62M · min. income ≈ HK$92,236/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$328,224 · 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).