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$21,687
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$22,362
−HK$685/mo
Today · 4.125%
HK$23,047
baseline
▲ 0.50% · 4.625%
HK$24,450
+HK$1,403/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$46,094/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$321,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,127
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$24,774
−HK$656/mo
Today · 4.125%
HK$25,430
baseline
▲ 0.50% · 4.625%
HK$26,771
+HK$1,341/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$50,860/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$321,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,025
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$26,834
−HK$823/mo
Today · 4.125%
HK$27,657
baseline
▲ 0.50% · 4.625%
HK$29,339
+HK$1,682/mo
Deposit HK$3.80M · loan HK$5.71M · min. income ≈ HK$55,314/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$321,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,952
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$29,729
−HK$787/mo
Today · 4.125%
HK$30,516
baseline
▲ 0.50% · 4.625%
HK$32,125
+HK$1,609/mo
Deposit HK$3.80M · loan HK$5.71M · min. income ≈ HK$61,032/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$321,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,362
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$31,306
−HK$960/mo
Today · 4.125%
HK$32,266
baseline
▲ 0.50% · 4.625%
HK$34,229
+HK$1,963/mo
Deposit HK$2.85M · loan HK$6.66M · min. income ≈ HK$64,532/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$321,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,777
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$34,683
−HK$919/mo
Today · 4.125%
HK$35,602
baseline
▲ 0.50% · 4.625%
HK$37,479
+HK$1,877/mo
Deposit HK$2.85M · loan HK$6.66M · min. income ≈ HK$71,204/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$321,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,037
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$40,251
−HK$1,234/mo
Today · 4.125%
HK$41,485
baseline
▲ 0.50% · 4.625%
HK$44,009
+HK$2,524/mo
Deposit HK$951K · loan HK$8.56M · min. income ≈ HK$82,970/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$321,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,428
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$44,593
−HK$1,181/mo
Today · 4.125%
HK$45,774
baseline
▲ 0.50% · 4.625%
HK$48,187
+HK$2,413/mo
Deposit HK$951K · loan HK$8.56M · min. income ≈ HK$91,548/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$321,086 · 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).