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$21,851
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$22,531
−HK$690/mo
Today · 4.125%
HK$23,221
baseline
▲ 0.50% · 4.625%
HK$24,634
+HK$1,413/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$46,442/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$328,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,309
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$24,961
−HK$661/mo
Today · 4.125%
HK$25,622
baseline
▲ 0.50% · 4.625%
HK$26,973
+HK$1,351/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$51,244/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$328,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,221
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$27,037
−HK$828/mo
Today · 4.125%
HK$27,865
baseline
▲ 0.50% · 4.625%
HK$29,561
+HK$1,696/mo
Deposit HK$3.83M · loan HK$5.75M · min. income ≈ HK$55,730/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$328,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,171
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$29,953
−HK$794/mo
Today · 4.125%
HK$30,747
baseline
▲ 0.50% · 4.625%
HK$32,367
+HK$1,620/mo
Deposit HK$3.83M · loan HK$5.75M · min. income ≈ HK$61,494/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$328,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,591
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$31,543
−HK$967/mo
Today · 4.125%
HK$32,510
baseline
▲ 0.50% · 4.625%
HK$34,488
+HK$1,978/mo
Deposit HK$2.87M · loan HK$6.71M · min. income ≈ HK$65,020/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$328,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,032
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$34,945
−HK$926/mo
Today · 4.125%
HK$35,871
baseline
▲ 0.50% · 4.625%
HK$37,762
+HK$1,891/mo
Deposit HK$2.87M · loan HK$6.71M · min. income ≈ HK$71,742/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$328,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,332
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$40,555
−HK$1,243/mo
Today · 4.125%
HK$41,798
baseline
▲ 0.50% · 4.625%
HK$44,341
+HK$2,543/mo
Deposit HK$958K · loan HK$8.62M · min. income ≈ HK$83,596/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$328,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,756
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$44,930
−HK$1,190/mo
Today · 4.125%
HK$46,120
baseline
▲ 0.50% · 4.625%
HK$48,551
+HK$2,431/mo
Deposit HK$958K · loan HK$8.62M · min. income ≈ HK$92,240/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$328,266 · 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).