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$21,791
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$22,469
−HK$689/mo
Today · 4.125%
HK$23,158
baseline
▲ 0.50% · 4.625%
HK$24,567
+HK$1,409/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$46,316/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$325,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,243
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$24,893
−HK$659/mo
Today · 4.125%
HK$25,552
baseline
▲ 0.50% · 4.625%
HK$26,899
+HK$1,347/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$51,104/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$325,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,150
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$26,963
−HK$826/mo
Today · 4.125%
HK$27,789
baseline
▲ 0.50% · 4.625%
HK$29,480
+HK$1,691/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$55,578/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$325,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,091
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$29,871
−HK$792/mo
Today · 4.125%
HK$30,663
baseline
▲ 0.50% · 4.625%
HK$32,279
+HK$1,616/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$61,326/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$325,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,508
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$31,457
−HK$964/mo
Today · 4.125%
HK$32,421
baseline
▲ 0.50% · 4.625%
HK$34,394
+HK$1,973/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$64,842/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$325,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,940
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$34,850
−HK$923/mo
Today · 4.125%
HK$35,773
baseline
▲ 0.50% · 4.625%
HK$37,659
+HK$1,886/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$71,546/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$325,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,224
−HK$2,460/mo
▼ 0.25% · 3.875%
HK$40,445
−HK$1,239/mo
Today · 4.125%
HK$41,684
baseline
▲ 0.50% · 4.625%
HK$44,221
+HK$2,537/mo
Deposit HK$956K · loan HK$8.60M · min. income ≈ HK$83,368/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$325,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,637
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$44,807
−HK$1,187/mo
Today · 4.125%
HK$45,994
baseline
▲ 0.50% · 4.625%
HK$48,419
+HK$2,425/mo
Deposit HK$956K · loan HK$8.60M · min. income ≈ HK$91,988/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$325,655 · 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).