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$21,834
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$22,513
−HK$690/mo
Today · 4.125%
HK$23,203
baseline
▲ 0.50% · 4.625%
HK$24,615
+HK$1,412/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$46,406/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$327,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,290
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$24,942
−HK$660/mo
Today · 4.125%
HK$25,602
baseline
▲ 0.50% · 4.625%
HK$26,952
+HK$1,350/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$51,204/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$327,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,201
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$27,016
−HK$828/mo
Today · 4.125%
HK$27,844
baseline
▲ 0.50% · 4.625%
HK$29,538
+HK$1,694/mo
Deposit HK$3.83M · loan HK$5.75M · min. income ≈ HK$55,688/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$327,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,148
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$29,930
−HK$793/mo
Today · 4.125%
HK$30,723
baseline
▲ 0.50% · 4.625%
HK$32,342
+HK$1,619/mo
Deposit HK$3.83M · loan HK$5.75M · min. income ≈ HK$61,446/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$327,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,568
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$31,518
−HK$966/mo
Today · 4.125%
HK$32,484
baseline
▲ 0.50% · 4.625%
HK$34,461
+HK$1,977/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$64,968/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$327,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,006
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$34,918
−HK$925/mo
Today · 4.125%
HK$35,843
baseline
▲ 0.50% · 4.625%
HK$37,733
+HK$1,890/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$71,686/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$327,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,301
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$40,524
−HK$1,242/mo
Today · 4.125%
HK$41,766
baseline
▲ 0.50% · 4.625%
HK$44,307
+HK$2,541/mo
Deposit HK$958K · loan HK$8.62M · min. income ≈ HK$83,532/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$327,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,722
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$44,895
−HK$1,189/mo
Today · 4.125%
HK$46,084
baseline
▲ 0.50% · 4.625%
HK$48,514
+HK$2,430/mo
Deposit HK$958K · loan HK$8.62M · min. income ≈ HK$92,168/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$327,525 · 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).