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$21,775
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$22,453
−HK$688/mo
Today · 4.125%
HK$23,141
baseline
▲ 0.50% · 4.625%
HK$24,549
+HK$1,408/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$46,282/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$324,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,225
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$24,875
−HK$659/mo
Today · 4.125%
HK$25,534
baseline
▲ 0.50% · 4.625%
HK$26,880
+HK$1,346/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$51,068/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$324,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,130
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$26,943
−HK$826/mo
Today · 4.125%
HK$27,769
baseline
▲ 0.50% · 4.625%
HK$29,459
+HK$1,690/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$55,538/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$324,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,070
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$29,850
−HK$790/mo
Today · 4.125%
HK$30,640
baseline
▲ 0.50% · 4.625%
HK$32,256
+HK$1,616/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$61,280/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$324,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,486
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$31,434
−HK$963/mo
Today · 4.125%
HK$32,397
baseline
▲ 0.50% · 4.625%
HK$34,369
+HK$1,972/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$64,794/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$324,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,915
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$34,824
−HK$923/mo
Today · 4.125%
HK$35,747
baseline
▲ 0.50% · 4.625%
HK$37,631
+HK$1,884/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$71,494/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$324,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,196
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$40,415
−HK$1,239/mo
Today · 4.125%
HK$41,654
baseline
▲ 0.50% · 4.625%
HK$44,188
+HK$2,534/mo
Deposit HK$955K · loan HK$8.59M · min. income ≈ HK$83,308/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$324,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,605
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$44,774
−HK$1,187/mo
Today · 4.125%
HK$45,961
baseline
▲ 0.50% · 4.625%
HK$48,383
+HK$2,422/mo
Deposit HK$955K · loan HK$8.59M · min. income ≈ HK$91,922/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$324,954 · 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).