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$21,819
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$22,498
−HK$689/mo
Today · 4.125%
HK$23,187
baseline
▲ 0.50% · 4.625%
HK$24,598
+HK$1,411/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$46,374/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$326,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,273
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$24,924
−HK$661/mo
Today · 4.125%
HK$25,585
baseline
▲ 0.50% · 4.625%
HK$26,933
+HK$1,348/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$51,170/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$326,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,183
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$26,997
−HK$827/mo
Today · 4.125%
HK$27,824
baseline
▲ 0.50% · 4.625%
HK$29,518
+HK$1,694/mo
Deposit HK$3.83M · loan HK$5.74M · min. income ≈ HK$55,648/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$326,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,128
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$29,909
−HK$793/mo
Today · 4.125%
HK$30,702
baseline
▲ 0.50% · 4.625%
HK$32,320
+HK$1,618/mo
Deposit HK$3.83M · loan HK$5.74M · min. income ≈ HK$61,404/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$326,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,546
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$31,497
−HK$965/mo
Today · 4.125%
HK$32,462
baseline
▲ 0.50% · 4.625%
HK$34,437
+HK$1,975/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$64,924/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$326,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,983
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$34,894
−HK$924/mo
Today · 4.125%
HK$35,818
baseline
▲ 0.50% · 4.625%
HK$37,707
+HK$1,889/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$71,636/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$326,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,274
−HK$2,463/mo
▼ 0.25% · 3.875%
HK$40,496
−HK$1,241/mo
Today · 4.125%
HK$41,737
baseline
▲ 0.50% · 4.625%
HK$44,276
+HK$2,539/mo
Deposit HK$957K · loan HK$8.61M · min. income ≈ HK$83,474/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$326,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,692
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$44,864
−HK$1,188/mo
Today · 4.125%
HK$46,052
baseline
▲ 0.50% · 4.625%
HK$48,480
+HK$2,428/mo
Deposit HK$957K · loan HK$8.61M · min. income ≈ HK$92,104/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$326,859 · 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).