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$21,820
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$22,499
−HK$689/mo
Today · 4.125%
HK$23,188
baseline
▲ 0.50% · 4.625%
HK$24,599
+HK$1,411/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$46,376/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$326,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,275
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$24,926
−HK$660/mo
Today · 4.125%
HK$25,586
baseline
▲ 0.50% · 4.625%
HK$26,935
+HK$1,349/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$51,172/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$326,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,184
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$26,999
−HK$827/mo
Today · 4.125%
HK$27,826
baseline
▲ 0.50% · 4.625%
HK$29,519
+HK$1,693/mo
Deposit HK$3.83M · loan HK$5.74M · min. income ≈ HK$55,652/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$326,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,130
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$29,911
−HK$792/mo
Today · 4.125%
HK$30,703
baseline
▲ 0.50% · 4.625%
HK$32,322
+HK$1,619/mo
Deposit HK$3.83M · loan HK$5.74M · min. income ≈ HK$61,406/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$326,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,548
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$31,498
−HK$966/mo
Today · 4.125%
HK$32,464
baseline
▲ 0.50% · 4.625%
HK$34,439
+HK$1,975/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$64,928/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$326,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,985
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$34,896
−HK$925/mo
Today · 4.125%
HK$35,821
baseline
▲ 0.50% · 4.625%
HK$37,709
+HK$1,888/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$71,642/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$326,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,276
−HK$2,463/mo
▼ 0.25% · 3.875%
HK$40,498
−HK$1,241/mo
Today · 4.125%
HK$41,739
baseline
▲ 0.50% · 4.625%
HK$44,279
+HK$2,540/mo
Deposit HK$957K · loan HK$8.61M · min. income ≈ HK$83,478/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$326,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,694
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$44,866
−HK$1,189/mo
Today · 4.125%
HK$46,055
baseline
▲ 0.50% · 4.625%
HK$48,483
+HK$2,428/mo
Deposit HK$957K · loan HK$8.61M · min. income ≈ HK$92,110/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$326,916 · 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).