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$21,690
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$22,365
−HK$685/mo
Today · 4.125%
HK$23,050
baseline
▲ 0.50% · 4.625%
HK$24,453
+HK$1,403/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$46,100/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$321,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,130
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$24,777
−HK$657/mo
Today · 4.125%
HK$25,434
baseline
▲ 0.50% · 4.625%
HK$26,774
+HK$1,340/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$50,868/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$321,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,028
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$26,838
−HK$822/mo
Today · 4.125%
HK$27,660
baseline
▲ 0.50% · 4.625%
HK$29,343
+HK$1,683/mo
Deposit HK$3.80M · loan HK$5.71M · min. income ≈ HK$55,320/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$321,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,956
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$29,733
−HK$787/mo
Today · 4.125%
HK$30,520
baseline
▲ 0.50% · 4.625%
HK$32,129
+HK$1,609/mo
Deposit HK$3.80M · loan HK$5.71M · min. income ≈ HK$61,040/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$321,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,366
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$31,311
−HK$959/mo
Today · 4.125%
HK$32,270
baseline
▲ 0.50% · 4.625%
HK$34,234
+HK$1,964/mo
Deposit HK$2.85M · loan HK$6.66M · min. income ≈ HK$64,540/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$321,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,782
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$34,688
−HK$919/mo
Today · 4.125%
HK$35,607
baseline
▲ 0.50% · 4.625%
HK$37,484
+HK$1,877/mo
Deposit HK$2.85M · loan HK$6.66M · min. income ≈ HK$71,214/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$321,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,042
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$40,257
−HK$1,233/mo
Today · 4.125%
HK$41,490
baseline
▲ 0.50% · 4.625%
HK$44,015
+HK$2,525/mo
Deposit HK$951K · loan HK$8.56M · min. income ≈ HK$82,980/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$321,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,434
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$44,599
−HK$1,182/mo
Today · 4.125%
HK$45,781
baseline
▲ 0.50% · 4.625%
HK$48,194
+HK$2,413/mo
Deposit HK$951K · loan HK$8.56M · min. income ≈ HK$91,562/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$321,214 · 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).