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$21,713
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$22,388
−HK$686/mo
Today · 4.125%
HK$23,074
baseline
▲ 0.50% · 4.625%
HK$24,478
+HK$1,404/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$46,148/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$322,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,155
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$24,803
−HK$657/mo
Today · 4.125%
HK$25,460
baseline
▲ 0.50% · 4.625%
HK$26,802
+HK$1,342/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$50,920/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$322,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,055
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$26,866
−HK$823/mo
Today · 4.125%
HK$27,689
baseline
▲ 0.50% · 4.625%
HK$29,374
+HK$1,685/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$55,378/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$322,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,986
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$29,764
−HK$788/mo
Today · 4.125%
HK$30,552
baseline
▲ 0.50% · 4.625%
HK$32,163
+HK$1,611/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$61,104/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$322,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,398
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$31,343
−HK$961/mo
Today · 4.125%
HK$32,304
baseline
▲ 0.50% · 4.625%
HK$34,270
+HK$1,966/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$64,608/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$322,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,817
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$34,724
−HK$920/mo
Today · 4.125%
HK$35,644
baseline
▲ 0.50% · 4.625%
HK$37,523
+HK$1,879/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$71,288/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$322,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,083
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$40,299
−HK$1,235/mo
Today · 4.125%
HK$41,534
baseline
▲ 0.50% · 4.625%
HK$44,061
+HK$2,527/mo
Deposit HK$952K · loan HK$8.57M · min. income ≈ HK$83,068/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$322,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,479
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$44,645
−HK$1,183/mo
Today · 4.125%
HK$45,828
baseline
▲ 0.50% · 4.625%
HK$48,244
+HK$2,416/mo
Deposit HK$952K · loan HK$8.57M · min. income ≈ HK$91,656/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$322,204 · 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).