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$21,791
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$22,469
−HK$688/mo
Today · 4.125%
HK$23,157
baseline
▲ 0.50% · 4.625%
HK$24,566
+HK$1,409/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$46,314/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$325,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,242
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$24,892
−HK$660/mo
Today · 4.125%
HK$25,552
baseline
▲ 0.50% · 4.625%
HK$26,899
+HK$1,347/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$51,104/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$325,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,149
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$26,962
−HK$827/mo
Today · 4.125%
HK$27,789
baseline
▲ 0.50% · 4.625%
HK$29,479
+HK$1,690/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$55,578/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$325,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,090
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$29,871
−HK$791/mo
Today · 4.125%
HK$30,662
baseline
▲ 0.50% · 4.625%
HK$32,278
+HK$1,616/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$61,324/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$325,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,507
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$31,456
−HK$964/mo
Today · 4.125%
HK$32,420
baseline
▲ 0.50% · 4.625%
HK$34,393
+HK$1,973/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$64,840/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$325,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,939
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$34,849
−HK$923/mo
Today · 4.125%
HK$35,772
baseline
▲ 0.50% · 4.625%
HK$37,658
+HK$1,886/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$71,544/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$325,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,223
−HK$2,460/mo
▼ 0.25% · 3.875%
HK$40,443
−HK$1,240/mo
Today · 4.125%
HK$41,683
baseline
▲ 0.50% · 4.625%
HK$44,219
+HK$2,536/mo
Deposit HK$956K · loan HK$8.60M · min. income ≈ HK$83,366/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$325,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,636
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$44,806
−HK$1,187/mo
Today · 4.125%
HK$45,993
baseline
▲ 0.50% · 4.625%
HK$48,417
+HK$2,424/mo
Deposit HK$956K · loan HK$8.60M · min. income ≈ HK$91,986/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$325,626 · 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).