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$21,755
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$22,432
−HK$687/mo
Today · 4.125%
HK$23,119
baseline
▲ 0.50% · 4.625%
HK$24,526
+HK$1,407/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$46,238/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$324,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,202
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$24,851
−HK$659/mo
Today · 4.125%
HK$25,510
baseline
▲ 0.50% · 4.625%
HK$26,854
+HK$1,344/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$51,020/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$324,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,106
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$26,918
−HK$825/mo
Today · 4.125%
HK$27,743
baseline
▲ 0.50% · 4.625%
HK$29,431
+HK$1,688/mo
Deposit HK$3.82M · loan HK$5.72M · min. income ≈ HK$55,486/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$324,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,042
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$29,821
−HK$790/mo
Today · 4.125%
HK$30,611
baseline
▲ 0.50% · 4.625%
HK$32,225
+HK$1,614/mo
Deposit HK$3.82M · loan HK$5.72M · min. income ≈ HK$61,222/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$324,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,457
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$31,404
−HK$963/mo
Today · 4.125%
HK$32,367
baseline
▲ 0.50% · 4.625%
HK$34,336
+HK$1,969/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$64,734/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$324,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,883
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$34,792
−HK$921/mo
Today · 4.125%
HK$35,713
baseline
▲ 0.50% · 4.625%
HK$37,596
+HK$1,883/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$71,426/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$324,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,159
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$40,377
−HK$1,237/mo
Today · 4.125%
HK$41,614
baseline
▲ 0.50% · 4.625%
HK$44,146
+HK$2,532/mo
Deposit HK$954K · loan HK$8.59M · min. income ≈ HK$83,228/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$324,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,564
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$44,732
−HK$1,185/mo
Today · 4.125%
HK$45,917
baseline
▲ 0.50% · 4.625%
HK$48,338
+HK$2,421/mo
Deposit HK$954K · loan HK$8.59M · min. income ≈ HK$91,834/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$324,051 · 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).