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$21,711
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$22,386
−HK$686/mo
Today · 4.125%
HK$23,072
baseline
▲ 0.50% · 4.625%
HK$24,476
+HK$1,404/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$46,144/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$322,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,153
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$24,801
−HK$657/mo
Today · 4.125%
HK$25,458
baseline
▲ 0.50% · 4.625%
HK$26,800
+HK$1,342/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$50,916/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$322,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,053
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$26,863
−HK$823/mo
Today · 4.125%
HK$27,686
baseline
▲ 0.50% · 4.625%
HK$29,371
+HK$1,685/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$55,372/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$322,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,983
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$29,761
−HK$788/mo
Today · 4.125%
HK$30,549
baseline
▲ 0.50% · 4.625%
HK$32,160
+HK$1,611/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$61,098/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$322,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,395
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$31,340
−HK$961/mo
Today · 4.125%
HK$32,301
baseline
▲ 0.50% · 4.625%
HK$34,266
+HK$1,965/mo
Deposit HK$2.86M · loan HK$6.66M · min. income ≈ HK$64,602/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$322,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,814
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$34,721
−HK$920/mo
Today · 4.125%
HK$35,641
baseline
▲ 0.50% · 4.625%
HK$37,520
+HK$1,879/mo
Deposit HK$2.86M · loan HK$6.66M · min. income ≈ HK$71,282/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$322,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,079
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$40,295
−HK$1,235/mo
Today · 4.125%
HK$41,530
baseline
▲ 0.50% · 4.625%
HK$44,057
+HK$2,527/mo
Deposit HK$952K · loan HK$8.57M · min. income ≈ HK$83,060/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$322,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,475
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$44,641
−HK$1,183/mo
Today · 4.125%
HK$45,824
baseline
▲ 0.50% · 4.625%
HK$48,239
+HK$2,415/mo
Deposit HK$952K · loan HK$8.57M · min. income ≈ HK$91,648/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$322,113 · 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).