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$21,844
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$22,524
−HK$690/mo
Today · 4.125%
HK$23,214
baseline
▲ 0.50% · 4.625%
HK$24,627
+HK$1,413/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$46,428/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$327,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,302
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$24,953
−HK$662/mo
Today · 4.125%
HK$25,615
baseline
▲ 0.50% · 4.625%
HK$26,965
+HK$1,350/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$51,230/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$327,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,213
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$27,029
−HK$828/mo
Today · 4.125%
HK$27,857
baseline
▲ 0.50% · 4.625%
HK$29,552
+HK$1,695/mo
Deposit HK$3.83M · loan HK$5.75M · min. income ≈ HK$55,714/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$327,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,162
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$29,944
−HK$793/mo
Today · 4.125%
HK$30,737
baseline
▲ 0.50% · 4.625%
HK$32,358
+HK$1,621/mo
Deposit HK$3.83M · loan HK$5.75M · min. income ≈ HK$61,474/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$327,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,582
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$31,533
−HK$967/mo
Today · 4.125%
HK$32,500
baseline
▲ 0.50% · 4.625%
HK$34,477
+HK$1,977/mo
Deposit HK$2.87M · loan HK$6.71M · min. income ≈ HK$65,000/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$327,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,022
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$34,935
−HK$925/mo
Today · 4.125%
HK$35,860
baseline
▲ 0.50% · 4.625%
HK$37,751
+HK$1,891/mo
Deposit HK$2.87M · loan HK$6.71M · min. income ≈ HK$71,720/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$327,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,320
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$40,543
−HK$1,243/mo
Today · 4.125%
HK$41,786
baseline
▲ 0.50% · 4.625%
HK$44,328
+HK$2,542/mo
Deposit HK$958K · loan HK$8.62M · min. income ≈ HK$83,572/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$327,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,743
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$44,916
−HK$1,190/mo
Today · 4.125%
HK$46,106
baseline
▲ 0.50% · 4.625%
HK$48,537
+HK$2,431/mo
Deposit HK$958K · loan HK$8.62M · min. income ≈ HK$92,212/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$327,978 · 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).