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$21,795
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$22,473
−HK$689/mo
Today · 4.125%
HK$23,162
baseline
▲ 0.50% · 4.625%
HK$24,572
+HK$1,410/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$46,324/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$325,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,247
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$24,897
−HK$660/mo
Today · 4.125%
HK$25,557
baseline
▲ 0.50% · 4.625%
HK$26,904
+HK$1,347/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$51,114/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$325,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,154
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$26,968
−HK$827/mo
Today · 4.125%
HK$27,795
baseline
▲ 0.50% · 4.625%
HK$29,486
+HK$1,691/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$55,590/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$325,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,097
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$29,877
−HK$792/mo
Today · 4.125%
HK$30,669
baseline
▲ 0.50% · 4.625%
HK$32,285
+HK$1,616/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$61,338/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$325,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,514
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$31,463
−HK$964/mo
Today · 4.125%
HK$32,427
baseline
▲ 0.50% · 4.625%
HK$34,400
+HK$1,973/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$64,854/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$325,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,946
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$34,856
−HK$924/mo
Today · 4.125%
HK$35,780
baseline
▲ 0.50% · 4.625%
HK$37,666
+HK$1,886/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$71,560/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$325,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,232
−HK$2,460/mo
▼ 0.25% · 3.875%
HK$40,452
−HK$1,240/mo
Today · 4.125%
HK$41,692
baseline
▲ 0.50% · 4.625%
HK$44,229
+HK$2,537/mo
Deposit HK$956K · loan HK$8.60M · min. income ≈ HK$83,384/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$325,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,645
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$44,815
−HK$1,188/mo
Today · 4.125%
HK$46,003
baseline
▲ 0.50% · 4.625%
HK$48,428
+HK$2,425/mo
Deposit HK$956K · loan HK$8.60M · min. income ≈ HK$92,006/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$325,831 · 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).