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$21,747
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$22,424
−HK$687/mo
Today · 4.125%
HK$23,111
baseline
▲ 0.50% · 4.625%
HK$24,517
+HK$1,406/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$46,222/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$323,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,194
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$24,843
−HK$658/mo
Today · 4.125%
HK$25,501
baseline
▲ 0.50% · 4.625%
HK$26,845
+HK$1,344/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$51,002/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$323,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,097
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$26,909
−HK$824/mo
Today · 4.125%
HK$27,733
baseline
▲ 0.50% · 4.625%
HK$29,421
+HK$1,688/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$55,466/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$323,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,033
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$29,811
−HK$790/mo
Today · 4.125%
HK$30,601
baseline
▲ 0.50% · 4.625%
HK$32,214
+HK$1,613/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$61,202/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$323,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,446
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$31,393
−HK$963/mo
Today · 4.125%
HK$32,356
baseline
▲ 0.50% · 4.625%
HK$34,324
+HK$1,968/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$64,712/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$323,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,871
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$34,780
−HK$921/mo
Today · 4.125%
HK$35,701
baseline
▲ 0.50% · 4.625%
HK$37,583
+HK$1,882/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$71,402/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$323,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,145
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$40,363
−HK$1,237/mo
Today · 4.125%
HK$41,600
baseline
▲ 0.50% · 4.625%
HK$44,131
+HK$2,531/mo
Deposit HK$954K · loan HK$8.58M · min. income ≈ HK$83,200/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$323,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,549
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$44,717
−HK$1,185/mo
Today · 4.125%
HK$45,902
baseline
▲ 0.50% · 4.625%
HK$48,321
+HK$2,419/mo
Deposit HK$954K · loan HK$8.58M · min. income ≈ HK$91,804/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$323,729 · 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).