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$21,773
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$22,450
−HK$688/mo
Today · 4.125%
HK$23,138
baseline
▲ 0.50% · 4.625%
HK$24,546
+HK$1,408/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$46,276/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$324,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,222
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$24,872
−HK$659/mo
Today · 4.125%
HK$25,531
baseline
▲ 0.50% · 4.625%
HK$26,877
+HK$1,346/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$51,062/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$324,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,128
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$26,940
−HK$826/mo
Today · 4.125%
HK$27,766
baseline
▲ 0.50% · 4.625%
HK$29,456
+HK$1,690/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$55,532/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$324,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,067
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$29,846
−HK$791/mo
Today · 4.125%
HK$30,637
baseline
▲ 0.50% · 4.625%
HK$32,252
+HK$1,615/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$61,274/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$324,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,482
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$31,430
−HK$964/mo
Today · 4.125%
HK$32,394
baseline
▲ 0.50% · 4.625%
HK$34,365
+HK$1,971/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$64,788/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$324,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,911
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$34,821
−HK$922/mo
Today · 4.125%
HK$35,743
baseline
▲ 0.50% · 4.625%
HK$37,627
+HK$1,884/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$71,486/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$324,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,191
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$40,411
−HK$1,238/mo
Today · 4.125%
HK$41,649
baseline
▲ 0.50% · 4.625%
HK$44,183
+HK$2,534/mo
Deposit HK$955K · loan HK$8.59M · min. income ≈ HK$83,298/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$324,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,600
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$44,769
−HK$1,187/mo
Today · 4.125%
HK$45,956
baseline
▲ 0.50% · 4.625%
HK$48,378
+HK$2,422/mo
Deposit HK$955K · loan HK$8.59M · min. income ≈ HK$91,912/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$324,851 · 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).