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$21,776
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$22,453
−HK$689/mo
Today · 4.125%
HK$23,142
baseline
▲ 0.50% · 4.625%
HK$24,550
+HK$1,408/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$46,284/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$324,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,226
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$24,875
−HK$660/mo
Today · 4.125%
HK$25,535
baseline
▲ 0.50% · 4.625%
HK$26,880
+HK$1,345/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$51,070/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$324,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,131
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$26,944
−HK$826/mo
Today · 4.125%
HK$27,770
baseline
▲ 0.50% · 4.625%
HK$29,460
+HK$1,690/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$55,540/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$324,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,071
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$29,850
−HK$791/mo
Today · 4.125%
HK$30,641
baseline
▲ 0.50% · 4.625%
HK$32,257
+HK$1,616/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$61,282/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$324,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,487
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$31,435
−HK$963/mo
Today · 4.125%
HK$32,398
baseline
▲ 0.50% · 4.625%
HK$34,370
+HK$1,972/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$64,796/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$324,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,916
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$34,826
−HK$922/mo
Today · 4.125%
HK$35,748
baseline
▲ 0.50% · 4.625%
HK$37,633
+HK$1,885/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$71,496/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$324,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,197
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$40,416
−HK$1,239/mo
Today · 4.125%
HK$41,655
baseline
▲ 0.50% · 4.625%
HK$44,190
+HK$2,535/mo
Deposit HK$955K · loan HK$8.59M · min. income ≈ HK$83,310/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$324,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,606
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$44,776
−HK$1,186/mo
Today · 4.125%
HK$45,962
baseline
▲ 0.50% · 4.625%
HK$48,385
+HK$2,423/mo
Deposit HK$955K · loan HK$8.59M · min. income ≈ HK$91,924/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$324,985 · 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).