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$21,796
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$22,474
−HK$689/mo
Today · 4.125%
HK$23,163
baseline
▲ 0.50% · 4.625%
HK$24,572
+HK$1,409/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$46,326/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$325,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,248
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$24,898
−HK$660/mo
Today · 4.125%
HK$25,558
baseline
▲ 0.50% · 4.625%
HK$26,905
+HK$1,347/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$51,116/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$325,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,155
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$26,969
−HK$826/mo
Today · 4.125%
HK$27,795
baseline
▲ 0.50% · 4.625%
HK$29,487
+HK$1,692/mo
Deposit HK$3.82M · loan HK$5.74M · min. income ≈ HK$55,590/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$325,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,097
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$29,878
−HK$791/mo
Today · 4.125%
HK$30,669
baseline
▲ 0.50% · 4.625%
HK$32,286
+HK$1,617/mo
Deposit HK$3.82M · loan HK$5.74M · min. income ≈ HK$61,338/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$325,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,514
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$31,463
−HK$965/mo
Today · 4.125%
HK$32,428
baseline
▲ 0.50% · 4.625%
HK$34,401
+HK$1,973/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$64,856/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$325,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,947
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$34,857
−HK$924/mo
Today · 4.125%
HK$35,781
baseline
▲ 0.50% · 4.625%
HK$37,667
+HK$1,886/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$71,562/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$325,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,233
−HK$2,460/mo
▼ 0.25% · 3.875%
HK$40,453
−HK$1,240/mo
Today · 4.125%
HK$41,693
baseline
▲ 0.50% · 4.625%
HK$44,230
+HK$2,537/mo
Deposit HK$956K · loan HK$8.60M · min. income ≈ HK$83,386/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$325,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,646
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$44,816
−HK$1,188/mo
Today · 4.125%
HK$46,004
baseline
▲ 0.50% · 4.625%
HK$48,429
+HK$2,425/mo
Deposit HK$956K · loan HK$8.60M · min. income ≈ HK$92,008/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$325,854 · 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).