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$21,728
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$22,404
−HK$686/mo
Today · 4.125%
HK$23,090
baseline
▲ 0.50% · 4.625%
HK$24,495
+HK$1,405/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$46,180/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$322,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,172
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$24,820
−HK$658/mo
Today · 4.125%
HK$25,478
baseline
▲ 0.50% · 4.625%
HK$26,821
+HK$1,343/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$50,956/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$322,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,073
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$26,884
−HK$824/mo
Today · 4.125%
HK$27,708
baseline
▲ 0.50% · 4.625%
HK$29,394
+HK$1,686/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$55,416/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$322,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,006
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$29,784
−HK$789/mo
Today · 4.125%
HK$30,573
baseline
▲ 0.50% · 4.625%
HK$32,185
+HK$1,612/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$61,146/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$322,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,419
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$31,365
−HK$961/mo
Today · 4.125%
HK$32,326
baseline
▲ 0.50% · 4.625%
HK$34,293
+HK$1,967/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$64,652/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$322,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,841
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$34,748
−HK$921/mo
Today · 4.125%
HK$35,669
baseline
▲ 0.50% · 4.625%
HK$37,549
+HK$1,880/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$71,338/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$322,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,110
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$40,327
−HK$1,236/mo
Today · 4.125%
HK$41,563
baseline
▲ 0.50% · 4.625%
HK$44,091
+HK$2,528/mo
Deposit HK$953K · loan HK$8.58M · min. income ≈ HK$83,126/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$322,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,509
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$44,676
−HK$1,184/mo
Today · 4.125%
HK$45,860
baseline
▲ 0.50% · 4.625%
HK$48,277
+HK$2,417/mo
Deposit HK$953K · loan HK$8.58M · min. income ≈ HK$91,720/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$322,865 · 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).