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$21,744
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$22,420
−HK$687/mo
Today · 4.125%
HK$23,107
baseline
▲ 0.50% · 4.625%
HK$24,513
+HK$1,406/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$46,214/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$323,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,190
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$24,839
−HK$658/mo
Today · 4.125%
HK$25,497
baseline
▲ 0.50% · 4.625%
HK$26,841
+HK$1,344/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$50,994/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$323,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,093
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$26,904
−HK$825/mo
Today · 4.125%
HK$27,729
baseline
▲ 0.50% · 4.625%
HK$29,416
+HK$1,687/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$55,458/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$323,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,028
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$29,806
−HK$790/mo
Today · 4.125%
HK$30,596
baseline
▲ 0.50% · 4.625%
HK$32,209
+HK$1,613/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$61,192/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$323,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,441
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$31,388
−HK$962/mo
Today · 4.125%
HK$32,350
baseline
▲ 0.50% · 4.625%
HK$34,319
+HK$1,969/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$64,700/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$323,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,866
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$34,774
−HK$921/mo
Today · 4.125%
HK$35,695
baseline
▲ 0.50% · 4.625%
HK$37,577
+HK$1,882/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$71,390/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$323,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,139
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$40,356
−HK$1,237/mo
Today · 4.125%
HK$41,593
baseline
▲ 0.50% · 4.625%
HK$44,124
+HK$2,531/mo
Deposit HK$954K · loan HK$8.58M · min. income ≈ HK$83,186/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$323,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,542
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$44,709
−HK$1,185/mo
Today · 4.125%
HK$45,894
baseline
▲ 0.50% · 4.625%
HK$48,313
+HK$2,419/mo
Deposit HK$954K · loan HK$8.58M · min. income ≈ HK$91,788/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$323,569 · 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).