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$21,697
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$22,372
−HK$686/mo
Today · 4.125%
HK$23,058
baseline
▲ 0.50% · 4.625%
HK$24,461
+HK$1,403/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$46,116/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$321,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,138
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$24,785
−HK$657/mo
Today · 4.125%
HK$25,442
baseline
▲ 0.50% · 4.625%
HK$26,783
+HK$1,341/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$50,884/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$321,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,037
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$26,847
−HK$823/mo
Today · 4.125%
HK$27,670
baseline
▲ 0.50% · 4.625%
HK$29,353
+HK$1,683/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$55,340/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$321,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,966
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$29,743
−HK$788/mo
Today · 4.125%
HK$30,531
baseline
▲ 0.50% · 4.625%
HK$32,140
+HK$1,609/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$61,062/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$321,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,376
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$31,321
−HK$960/mo
Today · 4.125%
HK$32,281
baseline
▲ 0.50% · 4.625%
HK$34,245
+HK$1,964/mo
Deposit HK$2.85M · loan HK$6.66M · min. income ≈ HK$64,562/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$321,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,793
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$34,700
−HK$919/mo
Today · 4.125%
HK$35,619
baseline
▲ 0.50% · 4.625%
HK$37,497
+HK$1,878/mo
Deposit HK$2.85M · loan HK$6.66M · min. income ≈ HK$71,238/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$321,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,055
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$40,270
−HK$1,234/mo
Today · 4.125%
HK$41,504
baseline
▲ 0.50% · 4.625%
HK$44,030
+HK$2,526/mo
Deposit HK$952K · loan HK$8.56M · min. income ≈ HK$83,008/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$321,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,449
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$44,614
−HK$1,182/mo
Today · 4.125%
HK$45,796
baseline
▲ 0.50% · 4.625%
HK$48,210
+HK$2,414/mo
Deposit HK$952K · loan HK$8.56M · min. income ≈ HK$91,592/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$321,531 · 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).