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$21,759
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$22,436
−HK$688/mo
Today · 4.125%
HK$23,124
baseline
▲ 0.50% · 4.625%
HK$24,531
+HK$1,407/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$46,248/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$324,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,207
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$24,856
−HK$659/mo
Today · 4.125%
HK$25,515
baseline
▲ 0.50% · 4.625%
HK$26,860
+HK$1,345/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$51,030/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$324,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,111
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$26,924
−HK$825/mo
Today · 4.125%
HK$27,749
baseline
▲ 0.50% · 4.625%
HK$29,437
+HK$1,688/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$55,498/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$324,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,049
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$29,828
−HK$790/mo
Today · 4.125%
HK$30,618
baseline
▲ 0.50% · 4.625%
HK$32,232
+HK$1,614/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$61,236/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$324,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,463
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$31,411
−HK$963/mo
Today · 4.125%
HK$32,374
baseline
▲ 0.50% · 4.625%
HK$34,343
+HK$1,969/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$64,748/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$324,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,890
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$34,799
−HK$922/mo
Today · 4.125%
HK$35,721
baseline
▲ 0.50% · 4.625%
HK$37,604
+HK$1,883/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$71,442/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$324,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,167
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$40,385
−HK$1,238/mo
Today · 4.125%
HK$41,623
baseline
▲ 0.50% · 4.625%
HK$44,156
+HK$2,533/mo
Deposit HK$954K · loan HK$8.59M · min. income ≈ HK$83,246/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$324,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,573
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$44,741
−HK$1,186/mo
Today · 4.125%
HK$45,927
baseline
▲ 0.50% · 4.625%
HK$48,348
+HK$2,421/mo
Deposit HK$954K · loan HK$8.59M · min. income ≈ HK$91,854/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$324,254 · 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).