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$21,862
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$22,542
−HK$691/mo
Today · 4.125%
HK$23,233
baseline
▲ 0.50% · 4.625%
HK$24,647
+HK$1,414/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$46,466/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$328,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,321
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$24,974
−HK$661/mo
Today · 4.125%
HK$25,635
baseline
▲ 0.50% · 4.625%
HK$26,987
+HK$1,352/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$51,270/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$328,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,234
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$27,050
−HK$830/mo
Today · 4.125%
HK$27,880
baseline
▲ 0.50% · 4.625%
HK$29,576
+HK$1,696/mo
Deposit HK$3.84M · loan HK$5.75M · min. income ≈ HK$55,760/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$328,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,186
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$29,968
−HK$794/mo
Today · 4.125%
HK$30,762
baseline
▲ 0.50% · 4.625%
HK$32,384
+HK$1,622/mo
Deposit HK$3.84M · loan HK$5.75M · min. income ≈ HK$61,524/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$328,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,607
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$31,559
−HK$967/mo
Today · 4.125%
HK$32,526
baseline
▲ 0.50% · 4.625%
HK$34,505
+HK$1,979/mo
Deposit HK$2.88M · loan HK$6.71M · min. income ≈ HK$65,052/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$328,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,050
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$34,963
−HK$926/mo
Today · 4.125%
HK$35,889
baseline
▲ 0.50% · 4.625%
HK$37,781
+HK$1,892/mo
Deposit HK$2.88M · loan HK$6.71M · min. income ≈ HK$71,778/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$328,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,352
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$40,576
−HK$1,243/mo
Today · 4.125%
HK$41,819
baseline
▲ 0.50% · 4.625%
HK$44,364
+HK$2,545/mo
Deposit HK$959K · loan HK$8.63M · min. income ≈ HK$83,638/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$328,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,778
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$44,952
−HK$1,192/mo
Today · 4.125%
HK$46,144
baseline
▲ 0.50% · 4.625%
HK$48,576
+HK$2,432/mo
Deposit HK$959K · loan HK$8.63M · min. income ≈ HK$92,288/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$328,754 · 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).