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$21,846
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$22,526
−HK$690/mo
Today · 4.125%
HK$23,216
baseline
▲ 0.50% · 4.625%
HK$24,629
+HK$1,413/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$46,432/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$328,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,304
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$24,955
−HK$662/mo
Today · 4.125%
HK$25,617
baseline
▲ 0.50% · 4.625%
HK$26,967
+HK$1,350/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$51,234/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$328,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,215
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$27,031
−HK$828/mo
Today · 4.125%
HK$27,859
baseline
▲ 0.50% · 4.625%
HK$29,555
+HK$1,696/mo
Deposit HK$3.83M · loan HK$5.75M · min. income ≈ HK$55,718/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$328,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,164
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$29,947
−HK$793/mo
Today · 4.125%
HK$30,740
baseline
▲ 0.50% · 4.625%
HK$32,360
+HK$1,620/mo
Deposit HK$3.83M · loan HK$5.75M · min. income ≈ HK$61,480/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$328,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,585
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$31,536
−HK$967/mo
Today · 4.125%
HK$32,503
baseline
▲ 0.50% · 4.625%
HK$34,480
+HK$1,977/mo
Deposit HK$2.87M · loan HK$6.71M · min. income ≈ HK$65,006/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$328,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,025
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$34,938
−HK$925/mo
Today · 4.125%
HK$35,863
baseline
▲ 0.50% · 4.625%
HK$37,754
+HK$1,891/mo
Deposit HK$2.87M · loan HK$6.71M · min. income ≈ HK$71,726/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$328,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,323
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$40,546
−HK$1,243/mo
Today · 4.125%
HK$41,789
baseline
▲ 0.50% · 4.625%
HK$44,332
+HK$2,543/mo
Deposit HK$958K · loan HK$8.62M · min. income ≈ HK$83,578/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$328,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,747
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$44,920
−HK$1,190/mo
Today · 4.125%
HK$46,110
baseline
▲ 0.50% · 4.625%
HK$48,541
+HK$2,431/mo
Deposit HK$958K · loan HK$8.62M · min. income ≈ HK$92,220/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$328,058 · 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).