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$21,718
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$22,394
−HK$686/mo
Today · 4.125%
HK$23,080
baseline
▲ 0.50% · 4.625%
HK$24,485
+HK$1,405/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$46,160/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$322,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,162
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$24,810
−HK$657/mo
Today · 4.125%
HK$25,467
baseline
▲ 0.50% · 4.625%
HK$26,809
+HK$1,342/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$50,934/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$322,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,062
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$26,873
−HK$823/mo
Today · 4.125%
HK$27,696
baseline
▲ 0.50% · 4.625%
HK$29,382
+HK$1,686/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$55,392/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$322,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,994
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$29,771
−HK$789/mo
Today · 4.125%
HK$30,560
baseline
▲ 0.50% · 4.625%
HK$32,171
+HK$1,611/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$61,120/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$322,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,406
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$31,352
−HK$961/mo
Today · 4.125%
HK$32,313
baseline
▲ 0.50% · 4.625%
HK$34,279
+HK$1,966/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$64,626/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$322,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,826
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$34,733
−HK$921/mo
Today · 4.125%
HK$35,654
baseline
▲ 0.50% · 4.625%
HK$37,533
+HK$1,879/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$71,308/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$322,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,093
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$40,309
−HK$1,236/mo
Today · 4.125%
HK$41,545
baseline
▲ 0.50% · 4.625%
HK$44,073
+HK$2,528/mo
Deposit HK$952K · loan HK$8.57M · min. income ≈ HK$83,090/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$322,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,491
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$44,657
−HK$1,183/mo
Today · 4.125%
HK$45,840
baseline
▲ 0.50% · 4.625%
HK$48,257
+HK$2,417/mo
Deposit HK$952K · loan HK$8.57M · min. income ≈ HK$91,680/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$322,456 · 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).