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$21,765
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$22,442
−HK$688/mo
Today · 4.125%
HK$23,130
baseline
▲ 0.50% · 4.625%
HK$24,537
+HK$1,407/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$46,260/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$324,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,213
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$24,863
−HK$659/mo
Today · 4.125%
HK$25,522
baseline
▲ 0.50% · 4.625%
HK$26,867
+HK$1,345/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$51,044/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$324,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,118
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$26,931
−HK$825/mo
Today · 4.125%
HK$27,756
baseline
▲ 0.50% · 4.625%
HK$29,445
+HK$1,689/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$55,512/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$324,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,056
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$29,835
−HK$791/mo
Today · 4.125%
HK$30,626
baseline
▲ 0.50% · 4.625%
HK$32,240
+HK$1,614/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$61,252/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$324,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,471
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$31,419
−HK$963/mo
Today · 4.125%
HK$32,382
baseline
▲ 0.50% · 4.625%
HK$34,352
+HK$1,970/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$64,764/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$324,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,899
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$34,808
−HK$922/mo
Today · 4.125%
HK$35,730
baseline
▲ 0.50% · 4.625%
HK$37,614
+HK$1,884/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$71,460/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$324,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,177
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$40,396
−HK$1,238/mo
Today · 4.125%
HK$41,634
baseline
▲ 0.50% · 4.625%
HK$44,167
+HK$2,533/mo
Deposit HK$955K · loan HK$8.59M · min. income ≈ HK$83,268/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$324,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,584
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$44,753
−HK$1,186/mo
Today · 4.125%
HK$45,939
baseline
▲ 0.50% · 4.625%
HK$48,360
+HK$2,421/mo
Deposit HK$955K · loan HK$8.59M · min. income ≈ HK$91,878/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$324,501 · 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).