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$21,836
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$22,515
−HK$691/mo
Today · 4.125%
HK$23,206
baseline
▲ 0.50% · 4.625%
HK$24,618
+HK$1,412/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$46,412/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$327,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,293
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$24,944
−HK$661/mo
Today · 4.125%
HK$25,605
baseline
▲ 0.50% · 4.625%
HK$26,955
+HK$1,350/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$51,210/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$327,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,203
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$27,018
−HK$829/mo
Today · 4.125%
HK$27,847
baseline
▲ 0.50% · 4.625%
HK$29,541
+HK$1,694/mo
Deposit HK$3.83M · loan HK$5.75M · min. income ≈ HK$55,694/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$327,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,151
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$29,933
−HK$793/mo
Today · 4.125%
HK$30,726
baseline
▲ 0.50% · 4.625%
HK$32,346
+HK$1,620/mo
Deposit HK$3.83M · loan HK$5.75M · min. income ≈ HK$61,452/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$327,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,571
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$31,522
−HK$966/mo
Today · 4.125%
HK$32,488
baseline
▲ 0.50% · 4.625%
HK$34,465
+HK$1,977/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$64,976/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$327,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,010
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$34,922
−HK$925/mo
Today · 4.125%
HK$35,847
baseline
▲ 0.50% · 4.625%
HK$37,737
+HK$1,890/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$71,694/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$327,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,305
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$40,528
−HK$1,242/mo
Today · 4.125%
HK$41,770
baseline
▲ 0.50% · 4.625%
HK$44,312
+HK$2,542/mo
Deposit HK$958K · loan HK$8.62M · min. income ≈ HK$83,540/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$327,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,727
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$44,899
−HK$1,190/mo
Today · 4.125%
HK$46,089
baseline
▲ 0.50% · 4.625%
HK$48,518
+HK$2,429/mo
Deposit HK$958K · loan HK$8.62M · min. income ≈ HK$92,178/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$327,620 · 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).