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$21,835
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$22,515
−HK$690/mo
Today · 4.125%
HK$23,205
baseline
▲ 0.50% · 4.625%
HK$24,617
+HK$1,412/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$46,410/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$327,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,292
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$24,943
−HK$661/mo
Today · 4.125%
HK$25,604
baseline
▲ 0.50% · 4.625%
HK$26,954
+HK$1,350/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$51,208/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$327,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,202
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$27,018
−HK$828/mo
Today · 4.125%
HK$27,846
baseline
▲ 0.50% · 4.625%
HK$29,540
+HK$1,694/mo
Deposit HK$3.83M · loan HK$5.75M · min. income ≈ HK$55,692/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$327,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,150
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$29,932
−HK$793/mo
Today · 4.125%
HK$30,725
baseline
▲ 0.50% · 4.625%
HK$32,344
+HK$1,619/mo
Deposit HK$3.83M · loan HK$5.75M · min. income ≈ HK$61,450/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$327,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,570
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$31,520
−HK$967/mo
Today · 4.125%
HK$32,487
baseline
▲ 0.50% · 4.625%
HK$34,463
+HK$1,976/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$64,974/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$327,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,008
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$34,920
−HK$926/mo
Today · 4.125%
HK$35,846
baseline
▲ 0.50% · 4.625%
HK$37,735
+HK$1,889/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$71,692/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$327,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,304
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$40,526
−HK$1,242/mo
Today · 4.125%
HK$41,768
baseline
▲ 0.50% · 4.625%
HK$44,310
+HK$2,542/mo
Deposit HK$958K · loan HK$8.62M · min. income ≈ HK$83,536/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$327,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,725
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$44,898
−HK$1,189/mo
Today · 4.125%
HK$46,087
baseline
▲ 0.50% · 4.625%
HK$48,517
+HK$2,430/mo
Deposit HK$958K · loan HK$8.62M · min. income ≈ HK$92,174/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$327,585 · 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).