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$21,727
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$22,403
−HK$687/mo
Today · 4.125%
HK$23,090
baseline
▲ 0.50% · 4.625%
HK$24,495
+HK$1,405/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$46,180/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$322,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,171
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$24,819
−HK$658/mo
Today · 4.125%
HK$25,477
baseline
▲ 0.50% · 4.625%
HK$26,820
+HK$1,343/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$50,954/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$322,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,073
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$26,884
−HK$824/mo
Today · 4.125%
HK$27,708
baseline
▲ 0.50% · 4.625%
HK$29,393
+HK$1,685/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$55,416/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$322,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,005
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$29,783
−HK$790/mo
Today · 4.125%
HK$30,573
baseline
▲ 0.50% · 4.625%
HK$32,184
+HK$1,611/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$61,146/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$322,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,418
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$31,364
−HK$961/mo
Today · 4.125%
HK$32,325
baseline
▲ 0.50% · 4.625%
HK$34,292
+HK$1,967/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$64,650/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$322,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,840
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$34,747
−HK$921/mo
Today · 4.125%
HK$35,668
baseline
▲ 0.50% · 4.625%
HK$37,548
+HK$1,880/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$71,336/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$322,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,109
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$40,325
−HK$1,236/mo
Today · 4.125%
HK$41,561
baseline
▲ 0.50% · 4.625%
HK$44,090
+HK$2,529/mo
Deposit HK$953K · loan HK$8.58M · min. income ≈ HK$83,122/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$322,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,508
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$44,675
−HK$1,184/mo
Today · 4.125%
HK$45,859
baseline
▲ 0.50% · 4.625%
HK$48,276
+HK$2,417/mo
Deposit HK$953K · loan HK$8.58M · min. income ≈ HK$91,718/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$322,837 · 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).