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$21,798
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$22,476
−HK$689/mo
Today · 4.125%
HK$23,165
baseline
▲ 0.50% · 4.625%
HK$24,575
+HK$1,410/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$46,330/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$325,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,250
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$24,901
−HK$660/mo
Today · 4.125%
HK$25,561
baseline
▲ 0.50% · 4.625%
HK$26,908
+HK$1,347/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$51,122/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$325,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,158
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$26,972
−HK$826/mo
Today · 4.125%
HK$27,798
baseline
▲ 0.50% · 4.625%
HK$29,490
+HK$1,692/mo
Deposit HK$3.82M · loan HK$5.74M · min. income ≈ HK$55,596/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$325,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,100
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$29,881
−HK$792/mo
Today · 4.125%
HK$30,673
baseline
▲ 0.50% · 4.625%
HK$32,289
+HK$1,616/mo
Deposit HK$3.82M · loan HK$5.74M · min. income ≈ HK$61,346/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$325,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,518
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$31,467
−HK$964/mo
Today · 4.125%
HK$32,431
baseline
▲ 0.50% · 4.625%
HK$34,405
+HK$1,974/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$64,862/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$325,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,951
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$34,861
−HK$924/mo
Today · 4.125%
HK$35,785
baseline
▲ 0.50% · 4.625%
HK$37,671
+HK$1,886/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$71,570/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$325,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,237
−HK$2,460/mo
▼ 0.25% · 3.875%
HK$40,457
−HK$1,240/mo
Today · 4.125%
HK$41,697
baseline
▲ 0.50% · 4.625%
HK$44,235
+HK$2,538/mo
Deposit HK$956K · loan HK$8.60M · min. income ≈ HK$83,394/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$325,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,651
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$44,821
−HK$1,188/mo
Today · 4.125%
HK$46,009
baseline
▲ 0.50% · 4.625%
HK$48,434
+HK$2,425/mo
Deposit HK$956K · loan HK$8.60M · min. income ≈ HK$92,018/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$325,958 · 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).