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$21,811
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$22,489
−HK$690/mo
Today · 4.125%
HK$23,179
baseline
▲ 0.50% · 4.625%
HK$24,589
+HK$1,410/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$46,358/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$326,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,264
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$24,915
−HK$660/mo
Today · 4.125%
HK$25,575
baseline
▲ 0.50% · 4.625%
HK$26,924
+HK$1,349/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$51,150/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$326,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,173
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$26,987
−HK$827/mo
Today · 4.125%
HK$27,814
baseline
▲ 0.50% · 4.625%
HK$29,507
+HK$1,693/mo
Deposit HK$3.83M · loan HK$5.74M · min. income ≈ HK$55,628/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$326,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,117
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$29,898
−HK$792/mo
Today · 4.125%
HK$30,690
baseline
▲ 0.50% · 4.625%
HK$32,308
+HK$1,618/mo
Deposit HK$3.83M · loan HK$5.74M · min. income ≈ HK$61,380/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$326,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,535
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$31,485
−HK$965/mo
Today · 4.125%
HK$32,450
baseline
▲ 0.50% · 4.625%
HK$34,425
+HK$1,975/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$64,900/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$326,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,970
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$34,881
−HK$925/mo
Today · 4.125%
HK$35,806
baseline
▲ 0.50% · 4.625%
HK$37,693
+HK$1,887/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$71,612/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$326,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,260
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$40,481
−HK$1,241/mo
Today · 4.125%
HK$41,722
baseline
▲ 0.50% · 4.625%
HK$44,260
+HK$2,538/mo
Deposit HK$957K · loan HK$8.61M · min. income ≈ HK$83,444/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$326,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,676
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$44,847
−HK$1,189/mo
Today · 4.125%
HK$46,036
baseline
▲ 0.50% · 4.625%
HK$48,462
+HK$2,426/mo
Deposit HK$957K · loan HK$8.61M · min. income ≈ HK$92,072/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$326,514 · 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).