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$21,825
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$22,504
−HK$690/mo
Today · 4.125%
HK$23,194
baseline
▲ 0.50% · 4.625%
HK$24,605
+HK$1,411/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$46,388/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$327,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,280
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$24,932
−HK$660/mo
Today · 4.125%
HK$25,592
baseline
▲ 0.50% · 4.625%
HK$26,941
+HK$1,349/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$51,184/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$327,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,190
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$27,005
−HK$828/mo
Today · 4.125%
HK$27,833
baseline
▲ 0.50% · 4.625%
HK$29,526
+HK$1,693/mo
Deposit HK$3.83M · loan HK$5.74M · min. income ≈ HK$55,666/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$327,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,137
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$29,918
−HK$793/mo
Today · 4.125%
HK$30,711
baseline
▲ 0.50% · 4.625%
HK$32,329
+HK$1,618/mo
Deposit HK$3.83M · loan HK$5.74M · min. income ≈ HK$61,422/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$327,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,555
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$31,506
−HK$966/mo
Today · 4.125%
HK$32,472
baseline
▲ 0.50% · 4.625%
HK$34,447
+HK$1,975/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$64,944/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$327,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,993
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$34,904
−HK$925/mo
Today · 4.125%
HK$35,829
baseline
▲ 0.50% · 4.625%
HK$37,718
+HK$1,889/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$71,658/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$327,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,286
−HK$2,463/mo
▼ 0.25% · 3.875%
HK$40,508
−HK$1,241/mo
Today · 4.125%
HK$41,749
baseline
▲ 0.50% · 4.625%
HK$44,289
+HK$2,540/mo
Deposit HK$957K · loan HK$8.61M · min. income ≈ HK$83,498/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$327,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,705
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$44,877
−HK$1,189/mo
Today · 4.125%
HK$46,066
baseline
▲ 0.50% · 4.625%
HK$48,494
+HK$2,428/mo
Deposit HK$957K · loan HK$8.61M · min. income ≈ HK$92,132/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$327,143 · 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).