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$24,573
+HK$1,409/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$325,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,249
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$24,899
−HK$660/mo
Today · 4.125%
HK$25,559
baseline
▲ 0.50% · 4.625%
HK$26,906
+HK$1,347/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$325,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,156
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$26,970
−HK$826/mo
Today · 4.125%
HK$27,796
baseline
▲ 0.50% · 4.625%
HK$29,488
+HK$1,692/mo
Deposit HK$3.82M · loan HK$5.74M · min. income ≈ HK$55,592/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$325,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,099
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$29,879
−HK$792/mo
Today · 4.125%
HK$30,671
baseline
▲ 0.50% · 4.625%
HK$32,287
+HK$1,616/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$325,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,516
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$31,465
−HK$964/mo
Today · 4.125%
HK$32,429
baseline
▲ 0.50% · 4.625%
HK$34,402
+HK$1,973/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$64,858/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$325,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,948
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$34,859
−HK$923/mo
Today · 4.125%
HK$35,782
baseline
▲ 0.50% · 4.625%
HK$37,669
+HK$1,887/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$71,564/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$325,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,234
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$40,455
−HK$1,240/mo
Today · 4.125%
HK$41,695
baseline
▲ 0.50% · 4.625%
HK$44,232
+HK$2,537/mo
Deposit HK$956K · loan HK$8.60M · min. income ≈ HK$83,390/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$325,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,648
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$44,818
−HK$1,188/mo
Today · 4.125%
HK$46,006
baseline
▲ 0.50% · 4.625%
HK$48,431
+HK$2,425/mo
Deposit HK$956K · loan HK$8.60M · min. income ≈ HK$92,012/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$325,897 · 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).