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$21,800
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$22,479
−HK$688/mo
Today · 4.125%
HK$23,167
baseline
▲ 0.50% · 4.625%
HK$24,577
+HK$1,410/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$46,334/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$326,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,253
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$24,903
−HK$660/mo
Today · 4.125%
HK$25,563
baseline
▲ 0.50% · 4.625%
HK$26,911
+HK$1,348/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$51,126/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$326,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,160
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$26,974
−HK$827/mo
Today · 4.125%
HK$27,801
baseline
▲ 0.50% · 4.625%
HK$29,493
+HK$1,692/mo
Deposit HK$3.82M · loan HK$5.74M · min. income ≈ HK$55,602/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$326,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,103
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$29,884
−HK$792/mo
Today · 4.125%
HK$30,676
baseline
▲ 0.50% · 4.625%
HK$32,293
+HK$1,617/mo
Deposit HK$3.82M · loan HK$5.74M · min. income ≈ HK$61,352/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$326,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,521
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$31,470
−HK$964/mo
Today · 4.125%
HK$32,434
baseline
▲ 0.50% · 4.625%
HK$34,408
+HK$1,974/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$64,868/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$326,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,954
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$34,864
−HK$924/mo
Today · 4.125%
HK$35,788
baseline
▲ 0.50% · 4.625%
HK$37,675
+HK$1,887/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$71,576/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$326,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,241
−HK$2,460/mo
▼ 0.25% · 3.875%
HK$40,461
−HK$1,240/mo
Today · 4.125%
HK$41,701
baseline
▲ 0.50% · 4.625%
HK$44,239
+HK$2,538/mo
Deposit HK$956K · loan HK$8.60M · min. income ≈ HK$83,402/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$326,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,655
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$44,826
−HK$1,187/mo
Today · 4.125%
HK$46,013
baseline
▲ 0.50% · 4.625%
HK$48,439
+HK$2,426/mo
Deposit HK$956K · loan HK$8.60M · min. income ≈ HK$92,026/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$326,051 · 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).