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$21,797
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$22,475
−HK$689/mo
Today · 4.125%
HK$23,164
baseline
▲ 0.50% · 4.625%
HK$24,574
+HK$1,410/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$46,328/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$325,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,249
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$24,900
−HK$659/mo
Today · 4.125%
HK$25,559
baseline
▲ 0.50% · 4.625%
HK$26,907
+HK$1,348/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$51,118/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$325,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,157
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$26,970
−HK$827/mo
Today · 4.125%
HK$27,797
baseline
▲ 0.50% · 4.625%
HK$29,488
+HK$1,691/mo
Deposit HK$3.82M · loan HK$5.74M · min. income ≈ HK$55,594/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$325,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,099
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$29,880
−HK$791/mo
Today · 4.125%
HK$30,671
baseline
▲ 0.50% · 4.625%
HK$32,288
+HK$1,617/mo
Deposit HK$3.82M · loan HK$5.74M · min. income ≈ HK$61,342/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$325,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,516
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$31,466
−HK$964/mo
Today · 4.125%
HK$32,430
baseline
▲ 0.50% · 4.625%
HK$34,403
+HK$1,973/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$64,860/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$325,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,949
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$34,860
−HK$923/mo
Today · 4.125%
HK$35,783
baseline
▲ 0.50% · 4.625%
HK$37,669
+HK$1,886/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$71,566/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$325,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,235
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$40,456
−HK$1,240/mo
Today · 4.125%
HK$41,696
baseline
▲ 0.50% · 4.625%
HK$44,233
+HK$2,537/mo
Deposit HK$956K · loan HK$8.60M · min. income ≈ HK$83,392/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$325,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,649
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$44,819
−HK$1,188/mo
Today · 4.125%
HK$46,007
baseline
▲ 0.50% · 4.625%
HK$48,432
+HK$2,425/mo
Deposit HK$956K · loan HK$8.60M · min. income ≈ HK$92,014/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$325,918 · 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).