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$21,815
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$22,493
−HK$690/mo
Today · 4.125%
HK$23,183
baseline
▲ 0.50% · 4.625%
HK$24,593
+HK$1,410/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$46,366/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$326,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,269
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$24,920
−HK$660/mo
Today · 4.125%
HK$25,580
baseline
▲ 0.50% · 4.625%
HK$26,928
+HK$1,348/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$51,160/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$326,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,178
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$26,992
−HK$827/mo
Today · 4.125%
HK$27,819
baseline
▲ 0.50% · 4.625%
HK$29,512
+HK$1,693/mo
Deposit HK$3.83M · loan HK$5.74M · min. income ≈ HK$55,638/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$326,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,122
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$29,904
−HK$792/mo
Today · 4.125%
HK$30,696
baseline
▲ 0.50% · 4.625%
HK$32,314
+HK$1,618/mo
Deposit HK$3.83M · loan HK$5.74M · min. income ≈ HK$61,392/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$326,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,541
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$31,491
−HK$965/mo
Today · 4.125%
HK$32,456
baseline
▲ 0.50% · 4.625%
HK$34,431
+HK$1,975/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$64,912/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$326,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,976
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$34,887
−HK$925/mo
Today · 4.125%
HK$35,812
baseline
▲ 0.50% · 4.625%
HK$37,700
+HK$1,888/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$71,624/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$326,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,267
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$40,488
−HK$1,241/mo
Today · 4.125%
HK$41,729
baseline
▲ 0.50% · 4.625%
HK$44,268
+HK$2,539/mo
Deposit HK$957K · loan HK$8.61M · min. income ≈ HK$83,458/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$326,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,684
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$44,855
−HK$1,189/mo
Today · 4.125%
HK$46,044
baseline
▲ 0.50% · 4.625%
HK$48,471
+HK$2,427/mo
Deposit HK$957K · loan HK$8.61M · min. income ≈ HK$92,088/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$326,682 · 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).