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$21,793
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$22,471
−HK$689/mo
Today · 4.125%
HK$23,160
baseline
▲ 0.50% · 4.625%
HK$24,569
+HK$1,409/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$46,320/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$325,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,244
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$24,895
−HK$659/mo
Today · 4.125%
HK$25,554
baseline
▲ 0.50% · 4.625%
HK$26,901
+HK$1,347/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$51,108/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$325,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,152
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$26,965
−HK$826/mo
Today · 4.125%
HK$27,791
baseline
▲ 0.50% · 4.625%
HK$29,482
+HK$1,691/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$55,582/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$325,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,093
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$29,874
−HK$791/mo
Today · 4.125%
HK$30,665
baseline
▲ 0.50% · 4.625%
HK$32,282
+HK$1,617/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$61,330/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$325,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,510
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$31,459
−HK$964/mo
Today · 4.125%
HK$32,423
baseline
▲ 0.50% · 4.625%
HK$34,396
+HK$1,973/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$64,846/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$325,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,942
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$34,852
−HK$924/mo
Today · 4.125%
HK$35,776
baseline
▲ 0.50% · 4.625%
HK$37,662
+HK$1,886/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$71,552/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$325,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,227
−HK$2,460/mo
▼ 0.25% · 3.875%
HK$40,447
−HK$1,240/mo
Today · 4.125%
HK$41,687
baseline
▲ 0.50% · 4.625%
HK$44,224
+HK$2,537/mo
Deposit HK$956K · loan HK$8.60M · min. income ≈ HK$83,374/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$325,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,640
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$44,810
−HK$1,188/mo
Today · 4.125%
HK$45,998
baseline
▲ 0.50% · 4.625%
HK$48,422
+HK$2,424/mo
Deposit HK$956K · loan HK$8.60M · min. income ≈ HK$91,996/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$325,723 · 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).