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$21,784
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$22,462
−HK$688/mo
Today · 4.125%
HK$23,150
baseline
▲ 0.50% · 4.625%
HK$24,559
+HK$1,409/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$46,300/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$325,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,235
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$24,885
−HK$659/mo
Today · 4.125%
HK$25,544
baseline
▲ 0.50% · 4.625%
HK$26,890
+HK$1,346/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$51,088/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$325,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,141
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$26,954
−HK$826/mo
Today · 4.125%
HK$27,780
baseline
▲ 0.50% · 4.625%
HK$29,471
+HK$1,691/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$55,560/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$325,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,081
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$29,861
−HK$792/mo
Today · 4.125%
HK$30,653
baseline
▲ 0.50% · 4.625%
HK$32,268
+HK$1,615/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$61,306/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$325,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,498
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$31,446
−HK$964/mo
Today · 4.125%
HK$32,410
baseline
▲ 0.50% · 4.625%
HK$34,382
+HK$1,972/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$64,820/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$325,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,928
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$34,838
−HK$923/mo
Today · 4.125%
HK$35,761
baseline
▲ 0.50% · 4.625%
HK$37,646
+HK$1,885/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$71,522/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$325,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,211
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$40,431
−HK$1,239/mo
Today · 4.125%
HK$41,670
baseline
▲ 0.50% · 4.625%
HK$44,206
+HK$2,536/mo
Deposit HK$955K · loan HK$8.60M · min. income ≈ HK$83,340/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$325,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,622
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$44,792
−HK$1,187/mo
Today · 4.125%
HK$45,979
baseline
▲ 0.50% · 4.625%
HK$48,403
+HK$2,424/mo
Deposit HK$955K · loan HK$8.60M · min. income ≈ HK$91,958/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$325,335 · 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).