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$325,346 · 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$26,891
+HK$1,347/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$325,346 · 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$325,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,082
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$29,862
−HK$791/mo
Today · 4.125%
HK$30,653
baseline
▲ 0.50% · 4.625%
HK$32,269
+HK$1,616/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$325,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,498
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$31,447
−HK$964/mo
Today · 4.125%
HK$32,411
baseline
▲ 0.50% · 4.625%
HK$34,383
+HK$1,972/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$64,822/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$325,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,929
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$34,839
−HK$923/mo
Today · 4.125%
HK$35,762
baseline
▲ 0.50% · 4.625%
HK$37,647
+HK$1,885/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$71,524/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$325,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,212
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$40,431
−HK$1,240/mo
Today · 4.125%
HK$41,671
baseline
▲ 0.50% · 4.625%
HK$44,206
+HK$2,535/mo
Deposit HK$955K · loan HK$8.60M · min. income ≈ HK$83,342/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$325,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,623
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$44,793
−HK$1,187/mo
Today · 4.125%
HK$45,980
baseline
▲ 0.50% · 4.625%
HK$48,403
+HK$2,423/mo
Deposit HK$955K · loan HK$8.60M · min. income ≈ HK$91,960/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$325,346 · 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).