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$21,865
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$22,545
−HK$691/mo
Today · 4.125%
HK$23,236
baseline
▲ 0.50% · 4.625%
HK$24,650
+HK$1,414/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$46,472/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$328,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,325
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$24,977
−HK$662/mo
Today · 4.125%
HK$25,639
baseline
▲ 0.50% · 4.625%
HK$26,990
+HK$1,351/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$51,278/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$328,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,238
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$27,054
−HK$830/mo
Today · 4.125%
HK$27,884
baseline
▲ 0.50% · 4.625%
HK$29,580
+HK$1,696/mo
Deposit HK$3.84M · loan HK$5.75M · min. income ≈ HK$55,768/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$328,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,190
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$29,973
−HK$794/mo
Today · 4.125%
HK$30,767
baseline
▲ 0.50% · 4.625%
HK$32,388
+HK$1,621/mo
Deposit HK$3.84M · loan HK$5.75M · min. income ≈ HK$61,534/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$328,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,611
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$31,563
−HK$968/mo
Today · 4.125%
HK$32,531
baseline
▲ 0.50% · 4.625%
HK$34,510
+HK$1,979/mo
Deposit HK$2.88M · loan HK$6.71M · min. income ≈ HK$65,062/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$328,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,055
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$34,968
−HK$927/mo
Today · 4.125%
HK$35,895
baseline
▲ 0.50% · 4.625%
HK$37,787
+HK$1,892/mo
Deposit HK$2.88M · loan HK$6.71M · min. income ≈ HK$71,790/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$328,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,357
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$40,581
−HK$1,244/mo
Today · 4.125%
HK$41,825
baseline
▲ 0.50% · 4.625%
HK$44,370
+HK$2,545/mo
Deposit HK$959K · loan HK$8.63M · min. income ≈ HK$83,650/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$328,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,785
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$44,959
−HK$1,191/mo
Today · 4.125%
HK$46,150
baseline
▲ 0.50% · 4.625%
HK$48,583
+HK$2,433/mo
Deposit HK$959K · loan HK$8.63M · min. income ≈ HK$92,300/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$328,890 · 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).