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$21,794
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$22,472
−HK$689/mo
Today · 4.125%
HK$23,161
baseline
▲ 0.50% · 4.625%
HK$24,570
+HK$1,409/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$46,322/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$325,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,245
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$24,896
−HK$659/mo
Today · 4.125%
HK$25,555
baseline
▲ 0.50% · 4.625%
HK$26,902
+HK$1,347/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$51,110/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$325,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,153
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$26,966
−HK$827/mo
Today · 4.125%
HK$27,793
baseline
▲ 0.50% · 4.625%
HK$29,484
+HK$1,691/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$55,586/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$325,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,095
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$29,875
−HK$791/mo
Today · 4.125%
HK$30,666
baseline
▲ 0.50% · 4.625%
HK$32,283
+HK$1,617/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$61,332/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$325,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,511
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$31,461
−HK$964/mo
Today · 4.125%
HK$32,425
baseline
▲ 0.50% · 4.625%
HK$34,398
+HK$1,973/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$64,850/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$325,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,944
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$34,854
−HK$924/mo
Today · 4.125%
HK$35,778
baseline
▲ 0.50% · 4.625%
HK$37,663
+HK$1,885/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$71,556/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$325,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,229
−HK$2,460/mo
▼ 0.25% · 3.875%
HK$40,449
−HK$1,240/mo
Today · 4.125%
HK$41,689
baseline
▲ 0.50% · 4.625%
HK$44,226
+HK$2,537/mo
Deposit HK$956K · loan HK$8.60M · min. income ≈ HK$83,378/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$325,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,642
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$44,812
−HK$1,188/mo
Today · 4.125%
HK$46,000
baseline
▲ 0.50% · 4.625%
HK$48,424
+HK$2,424/mo
Deposit HK$956K · loan HK$8.60M · min. income ≈ HK$92,000/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$325,765 · 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).