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$21,848
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$22,527
−HK$691/mo
Today · 4.125%
HK$23,218
baseline
▲ 0.50% · 4.625%
HK$24,630
+HK$1,412/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$46,436/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$328,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,305
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$24,957
−HK$661/mo
Today · 4.125%
HK$25,618
baseline
▲ 0.50% · 4.625%
HK$26,969
+HK$1,351/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$51,236/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$328,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,217
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$27,033
−HK$828/mo
Today · 4.125%
HK$27,861
baseline
▲ 0.50% · 4.625%
HK$29,556
+HK$1,695/mo
Deposit HK$3.83M · loan HK$5.75M · min. income ≈ HK$55,722/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$328,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,166
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$29,948
−HK$794/mo
Today · 4.125%
HK$30,742
baseline
▲ 0.50% · 4.625%
HK$32,362
+HK$1,620/mo
Deposit HK$3.83M · loan HK$5.75M · min. income ≈ HK$61,484/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$328,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,587
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$31,538
−HK$967/mo
Today · 4.125%
HK$32,505
baseline
▲ 0.50% · 4.625%
HK$34,483
+HK$1,978/mo
Deposit HK$2.87M · loan HK$6.71M · min. income ≈ HK$65,010/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$328,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,027
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$34,940
−HK$926/mo
Today · 4.125%
HK$35,866
baseline
▲ 0.50% · 4.625%
HK$37,756
+HK$1,890/mo
Deposit HK$2.87M · loan HK$6.71M · min. income ≈ HK$71,732/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$328,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,326
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$40,549
−HK$1,243/mo
Today · 4.125%
HK$41,792
baseline
▲ 0.50% · 4.625%
HK$44,335
+HK$2,543/mo
Deposit HK$958K · loan HK$8.62M · min. income ≈ HK$83,584/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$328,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,749
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$44,923
−HK$1,190/mo
Today · 4.125%
HK$46,113
baseline
▲ 0.50% · 4.625%
HK$48,544
+HK$2,431/mo
Deposit HK$958K · loan HK$8.62M · min. income ≈ HK$92,226/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$328,120 · 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).