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$21,729
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$22,405
−HK$686/mo
Today · 4.125%
HK$23,091
baseline
▲ 0.50% · 4.625%
HK$24,496
+HK$1,405/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$46,182/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$322,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,173
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$24,821
−HK$658/mo
Today · 4.125%
HK$25,479
baseline
▲ 0.50% · 4.625%
HK$26,822
+HK$1,343/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$50,958/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$322,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,074
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$26,885
−HK$824/mo
Today · 4.125%
HK$27,709
baseline
▲ 0.50% · 4.625%
HK$29,395
+HK$1,686/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$55,418/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$322,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,007
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$29,785
−HK$790/mo
Today · 4.125%
HK$30,575
baseline
▲ 0.50% · 4.625%
HK$32,186
+HK$1,611/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$61,150/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$322,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,420
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$31,366
−HK$962/mo
Today · 4.125%
HK$32,328
baseline
▲ 0.50% · 4.625%
HK$34,295
+HK$1,967/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$64,656/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$322,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,842
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$34,750
−HK$920/mo
Today · 4.125%
HK$35,670
baseline
▲ 0.50% · 4.625%
HK$37,551
+HK$1,881/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$71,340/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$322,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,112
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$40,328
−HK$1,236/mo
Today · 4.125%
HK$41,564
baseline
▲ 0.50% · 4.625%
HK$44,093
+HK$2,529/mo
Deposit HK$953K · loan HK$8.58M · min. income ≈ HK$83,128/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$322,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,511
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$44,678
−HK$1,184/mo
Today · 4.125%
HK$45,862
baseline
▲ 0.50% · 4.625%
HK$48,279
+HK$2,417/mo
Deposit HK$953K · loan HK$8.58M · min. income ≈ HK$91,724/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$322,903 · 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).