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$21,692
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$22,366
−HK$686/mo
Today · 4.125%
HK$23,052
baseline
▲ 0.50% · 4.625%
HK$24,455
+HK$1,403/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$46,104/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$321,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,132
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$24,779
−HK$656/mo
Today · 4.125%
HK$25,435
baseline
▲ 0.50% · 4.625%
HK$26,776
+HK$1,341/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$50,870/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$321,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,030
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$26,840
−HK$822/mo
Today · 4.125%
HK$27,662
baseline
▲ 0.50% · 4.625%
HK$29,345
+HK$1,683/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$55,324/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$321,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,958
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$29,735
−HK$788/mo
Today · 4.125%
HK$30,523
baseline
▲ 0.50% · 4.625%
HK$32,131
+HK$1,608/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$61,046/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$321,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,368
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$31,313
−HK$960/mo
Today · 4.125%
HK$32,273
baseline
▲ 0.50% · 4.625%
HK$34,236
+HK$1,963/mo
Deposit HK$2.85M · loan HK$6.66M · min. income ≈ HK$64,546/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$321,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,784
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$34,690
−HK$920/mo
Today · 4.125%
HK$35,610
baseline
▲ 0.50% · 4.625%
HK$37,487
+HK$1,877/mo
Deposit HK$2.85M · loan HK$6.66M · min. income ≈ HK$71,220/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$321,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,045
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$40,259
−HK$1,234/mo
Today · 4.125%
HK$41,493
baseline
▲ 0.50% · 4.625%
HK$44,018
+HK$2,525/mo
Deposit HK$951K · loan HK$8.56M · min. income ≈ HK$82,986/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$321,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,437
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$44,602
−HK$1,182/mo
Today · 4.125%
HK$45,784
baseline
▲ 0.50% · 4.625%
HK$48,197
+HK$2,413/mo
Deposit HK$951K · loan HK$8.56M · min. income ≈ HK$91,568/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$321,280 · 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).