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$21,840
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$22,520
−HK$690/mo
Today · 4.125%
HK$23,210
baseline
▲ 0.50% · 4.625%
HK$24,622
+HK$1,412/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$46,420/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$327,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,297
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$24,949
−HK$661/mo
Today · 4.125%
HK$25,610
baseline
▲ 0.50% · 4.625%
HK$26,960
+HK$1,350/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$51,220/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$327,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,208
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$27,023
−HK$829/mo
Today · 4.125%
HK$27,852
baseline
▲ 0.50% · 4.625%
HK$29,546
+HK$1,694/mo
Deposit HK$3.83M · loan HK$5.75M · min. income ≈ HK$55,704/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$327,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,156
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$29,938
−HK$794/mo
Today · 4.125%
HK$30,732
baseline
▲ 0.50% · 4.625%
HK$32,352
+HK$1,620/mo
Deposit HK$3.83M · loan HK$5.75M · min. income ≈ HK$61,464/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$327,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,576
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$31,527
−HK$967/mo
Today · 4.125%
HK$32,494
baseline
▲ 0.50% · 4.625%
HK$34,471
+HK$1,977/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$64,988/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$327,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,016
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$34,928
−HK$926/mo
Today · 4.125%
HK$35,854
baseline
▲ 0.50% · 4.625%
HK$37,743
+HK$1,889/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$71,708/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$327,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,312
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$40,535
−HK$1,243/mo
Today · 4.125%
HK$41,778
baseline
▲ 0.50% · 4.625%
HK$44,320
+HK$2,542/mo
Deposit HK$958K · loan HK$8.62M · min. income ≈ HK$83,556/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$327,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,735
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$44,908
−HK$1,189/mo
Today · 4.125%
HK$46,097
baseline
▲ 0.50% · 4.625%
HK$48,527
+HK$2,430/mo
Deposit HK$958K · loan HK$8.62M · min. income ≈ HK$92,194/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$327,797 · 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).