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$21,748
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$22,425
−HK$687/mo
Today · 4.125%
HK$23,112
baseline
▲ 0.50% · 4.625%
HK$24,519
+HK$1,407/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$46,224/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$323,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,195
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$24,844
−HK$658/mo
Today · 4.125%
HK$25,502
baseline
▲ 0.50% · 4.625%
HK$26,846
+HK$1,344/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$51,004/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$323,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,098
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$26,910
−HK$825/mo
Today · 4.125%
HK$27,735
baseline
▲ 0.50% · 4.625%
HK$29,422
+HK$1,687/mo
Deposit HK$3.82M · loan HK$5.72M · min. income ≈ HK$55,470/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$323,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,034
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$29,813
−HK$790/mo
Today · 4.125%
HK$30,603
baseline
▲ 0.50% · 4.625%
HK$32,216
+HK$1,613/mo
Deposit HK$3.82M · loan HK$5.72M · min. income ≈ HK$61,206/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$323,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,448
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$31,395
−HK$962/mo
Today · 4.125%
HK$32,357
baseline
▲ 0.50% · 4.625%
HK$34,326
+HK$1,969/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$64,714/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$323,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,873
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$34,781
−HK$922/mo
Today · 4.125%
HK$35,703
baseline
▲ 0.50% · 4.625%
HK$37,585
+HK$1,882/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$71,406/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$323,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,147
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$40,365
−HK$1,237/mo
Today · 4.125%
HK$41,602
baseline
▲ 0.50% · 4.625%
HK$44,133
+HK$2,531/mo
Deposit HK$954K · loan HK$8.58M · min. income ≈ HK$83,204/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$323,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,551
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$44,719
−HK$1,185/mo
Today · 4.125%
HK$45,904
baseline
▲ 0.50% · 4.625%
HK$48,323
+HK$2,419/mo
Deposit HK$954K · loan HK$8.58M · min. income ≈ HK$91,808/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$323,772 · 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).