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$21,761
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$22,438
−HK$687/mo
Today · 4.125%
HK$23,125
baseline
▲ 0.50% · 4.625%
HK$24,533
+HK$1,408/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$46,250/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$324,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,209
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$24,858
−HK$659/mo
Today · 4.125%
HK$25,517
baseline
▲ 0.50% · 4.625%
HK$26,862
+HK$1,345/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$51,034/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$324,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,113
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$26,925
−HK$826/mo
Today · 4.125%
HK$27,751
baseline
▲ 0.50% · 4.625%
HK$29,439
+HK$1,688/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$55,502/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$324,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,050
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$29,830
−HK$790/mo
Today · 4.125%
HK$30,620
baseline
▲ 0.50% · 4.625%
HK$32,234
+HK$1,614/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$61,240/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$324,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,465
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$31,413
−HK$963/mo
Today · 4.125%
HK$32,376
baseline
▲ 0.50% · 4.625%
HK$34,346
+HK$1,970/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$64,752/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$324,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,892
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$34,801
−HK$922/mo
Today · 4.125%
HK$35,723
baseline
▲ 0.50% · 4.625%
HK$37,606
+HK$1,883/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$71,446/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$324,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,169
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$40,388
−HK$1,238/mo
Today · 4.125%
HK$41,626
baseline
▲ 0.50% · 4.625%
HK$44,159
+HK$2,533/mo
Deposit HK$954K · loan HK$8.59M · min. income ≈ HK$83,252/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$324,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,576
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$44,744
−HK$1,186/mo
Today · 4.125%
HK$45,930
baseline
▲ 0.50% · 4.625%
HK$48,351
+HK$2,421/mo
Deposit HK$954K · loan HK$8.59M · min. income ≈ HK$91,860/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$324,315 · 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).