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$21,745
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$22,422
−HK$687/mo
Today · 4.125%
HK$23,109
baseline
▲ 0.50% · 4.625%
HK$24,515
+HK$1,406/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$46,218/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$323,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,192
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$24,840
−HK$659/mo
Today · 4.125%
HK$25,499
baseline
▲ 0.50% · 4.625%
HK$26,843
+HK$1,344/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$50,998/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$323,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,094
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$26,906
−HK$825/mo
Today · 4.125%
HK$27,731
baseline
▲ 0.50% · 4.625%
HK$29,418
+HK$1,687/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$55,462/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$323,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,030
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$29,808
−HK$790/mo
Today · 4.125%
HK$30,598
baseline
▲ 0.50% · 4.625%
HK$32,211
+HK$1,613/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$61,196/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$323,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,444
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$31,391
−HK$962/mo
Today · 4.125%
HK$32,353
baseline
▲ 0.50% · 4.625%
HK$34,321
+HK$1,968/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$64,706/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$323,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,868
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$34,776
−HK$922/mo
Today · 4.125%
HK$35,698
baseline
▲ 0.50% · 4.625%
HK$37,580
+HK$1,882/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$71,396/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$323,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,142
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$40,359
−HK$1,237/mo
Today · 4.125%
HK$41,596
baseline
▲ 0.50% · 4.625%
HK$44,127
+HK$2,531/mo
Deposit HK$954K · loan HK$8.58M · min. income ≈ HK$83,192/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$323,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,545
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$44,713
−HK$1,184/mo
Today · 4.125%
HK$45,897
baseline
▲ 0.50% · 4.625%
HK$48,317
+HK$2,420/mo
Deposit HK$954K · loan HK$8.58M · min. income ≈ HK$91,794/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$323,639 · 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).