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$21,807
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$22,485
−HK$689/mo
Today · 4.125%
HK$23,174
baseline
▲ 0.50% · 4.625%
HK$24,584
+HK$1,410/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$46,348/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$326,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,260
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$24,910
−HK$660/mo
Today · 4.125%
HK$25,570
baseline
▲ 0.50% · 4.625%
HK$26,918
+HK$1,348/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$51,140/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$326,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,168
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$26,982
−HK$827/mo
Today · 4.125%
HK$27,809
baseline
▲ 0.50% · 4.625%
HK$29,501
+HK$1,692/mo
Deposit HK$3.83M · loan HK$5.74M · min. income ≈ HK$55,618/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$326,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,111
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$29,892
−HK$792/mo
Today · 4.125%
HK$30,684
baseline
▲ 0.50% · 4.625%
HK$32,302
+HK$1,618/mo
Deposit HK$3.83M · loan HK$5.74M · min. income ≈ HK$61,368/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$326,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,529
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$31,479
−HK$965/mo
Today · 4.125%
HK$32,444
baseline
▲ 0.50% · 4.625%
HK$34,418
+HK$1,974/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$64,888/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$326,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,963
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$34,874
−HK$924/mo
Today · 4.125%
HK$35,798
baseline
▲ 0.50% · 4.625%
HK$37,685
+HK$1,887/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$71,596/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$326,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,252
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$40,473
−HK$1,240/mo
Today · 4.125%
HK$41,713
baseline
▲ 0.50% · 4.625%
HK$44,251
+HK$2,538/mo
Deposit HK$956K · loan HK$8.61M · min. income ≈ HK$83,426/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$326,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,667
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$44,838
−HK$1,188/mo
Today · 4.125%
HK$46,026
baseline
▲ 0.50% · 4.625%
HK$48,453
+HK$2,427/mo
Deposit HK$956K · loan HK$8.61M · min. income ≈ HK$92,052/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$326,321 · 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).