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$21,725
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$22,401
−HK$687/mo
Today · 4.125%
HK$23,088
baseline
▲ 0.50% · 4.625%
HK$24,492
+HK$1,404/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$46,176/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$322,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,169
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$24,817
−HK$658/mo
Today · 4.125%
HK$25,475
baseline
▲ 0.50% · 4.625%
HK$26,818
+HK$1,343/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$50,950/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$322,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,070
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$26,881
−HK$824/mo
Today · 4.125%
HK$27,705
baseline
▲ 0.50% · 4.625%
HK$29,391
+HK$1,686/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$55,410/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$322,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,003
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$29,781
−HK$789/mo
Today · 4.125%
HK$30,570
baseline
▲ 0.50% · 4.625%
HK$32,181
+HK$1,611/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$61,140/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$322,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,415
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$31,361
−HK$962/mo
Today · 4.125%
HK$32,323
baseline
▲ 0.50% · 4.625%
HK$34,289
+HK$1,966/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$64,646/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$322,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,837
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$34,744
−HK$921/mo
Today · 4.125%
HK$35,665
baseline
▲ 0.50% · 4.625%
HK$37,545
+HK$1,880/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$71,330/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$322,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,105
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$40,322
−HK$1,236/mo
Today · 4.125%
HK$41,558
baseline
▲ 0.50% · 4.625%
HK$44,086
+HK$2,528/mo
Deposit HK$953K · loan HK$8.57M · min. income ≈ HK$83,116/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$322,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,504
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$44,671
−HK$1,184/mo
Today · 4.125%
HK$45,855
baseline
▲ 0.50% · 4.625%
HK$48,272
+HK$2,417/mo
Deposit HK$953K · loan HK$8.57M · min. income ≈ HK$91,710/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$322,753 · 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).