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$21,716
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$22,392
−HK$686/mo
Today · 4.125%
HK$23,078
baseline
▲ 0.50% · 4.625%
HK$24,482
+HK$1,404/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$46,156/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$322,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,159
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$24,807
−HK$657/mo
Today · 4.125%
HK$25,464
baseline
▲ 0.50% · 4.625%
HK$26,807
+HK$1,343/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$50,928/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$322,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,059
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$26,870
−HK$824/mo
Today · 4.125%
HK$27,694
baseline
▲ 0.50% · 4.625%
HK$29,379
+HK$1,685/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$55,388/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$322,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,991
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$29,768
−HK$789/mo
Today · 4.125%
HK$30,557
baseline
▲ 0.50% · 4.625%
HK$32,168
+HK$1,611/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$61,114/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$322,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,403
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$31,348
−HK$961/mo
Today · 4.125%
HK$32,309
baseline
▲ 0.50% · 4.625%
HK$34,275
+HK$1,966/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$64,618/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$322,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,823
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$34,730
−HK$920/mo
Today · 4.125%
HK$35,650
baseline
▲ 0.50% · 4.625%
HK$37,529
+HK$1,879/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$71,300/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$322,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,089
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$40,305
−HK$1,235/mo
Today · 4.125%
HK$41,540
baseline
▲ 0.50% · 4.625%
HK$44,068
+HK$2,528/mo
Deposit HK$952K · loan HK$8.57M · min. income ≈ HK$83,080/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$322,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,486
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$44,653
−HK$1,183/mo
Today · 4.125%
HK$45,836
baseline
▲ 0.50% · 4.625%
HK$48,252
+HK$2,416/mo
Deposit HK$952K · loan HK$8.57M · min. income ≈ HK$91,672/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$322,359 · 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).