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$21,829
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$22,508
−HK$690/mo
Today · 4.125%
HK$23,198
baseline
▲ 0.50% · 4.625%
HK$24,610
+HK$1,412/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$46,396/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$327,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,285
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$24,936
−HK$661/mo
Today · 4.125%
HK$25,597
baseline
▲ 0.50% · 4.625%
HK$26,946
+HK$1,349/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$51,194/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$327,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,195
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$27,010
−HK$828/mo
Today · 4.125%
HK$27,838
baseline
▲ 0.50% · 4.625%
HK$29,532
+HK$1,694/mo
Deposit HK$3.83M · loan HK$5.74M · min. income ≈ HK$55,676/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$327,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,142
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$29,923
−HK$793/mo
Today · 4.125%
HK$30,716
baseline
▲ 0.50% · 4.625%
HK$32,335
+HK$1,619/mo
Deposit HK$3.83M · loan HK$5.74M · min. income ≈ HK$61,432/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$327,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,561
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$31,512
−HK$965/mo
Today · 4.125%
HK$32,477
baseline
▲ 0.50% · 4.625%
HK$34,454
+HK$1,977/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$64,954/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$327,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,999
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$34,911
−HK$925/mo
Today · 4.125%
HK$35,836
baseline
▲ 0.50% · 4.625%
HK$37,725
+HK$1,889/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$71,672/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$327,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,293
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$40,515
−HK$1,242/mo
Today · 4.125%
HK$41,757
baseline
▲ 0.50% · 4.625%
HK$44,298
+HK$2,541/mo
Deposit HK$957K · loan HK$8.62M · min. income ≈ HK$83,514/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$327,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,713
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$44,885
−HK$1,189/mo
Today · 4.125%
HK$46,074
baseline
▲ 0.50% · 4.625%
HK$48,503
+HK$2,429/mo
Deposit HK$957K · loan HK$8.62M · min. income ≈ HK$92,148/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$327,318 · 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).