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$21,783
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$22,460
−HK$689/mo
Today · 4.125%
HK$23,149
baseline
▲ 0.50% · 4.625%
HK$24,557
+HK$1,408/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$46,298/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$325,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,233
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$24,883
−HK$659/mo
Today · 4.125%
HK$25,542
baseline
▲ 0.50% · 4.625%
HK$26,889
+HK$1,347/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$51,084/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$325,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,139
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$26,952
−HK$827/mo
Today · 4.125%
HK$27,779
baseline
▲ 0.50% · 4.625%
HK$29,469
+HK$1,690/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$55,558/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$325,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,080
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$29,860
−HK$791/mo
Today · 4.125%
HK$30,651
baseline
▲ 0.50% · 4.625%
HK$32,267
+HK$1,616/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$61,302/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$325,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,496
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$31,445
−HK$963/mo
Today · 4.125%
HK$32,408
baseline
▲ 0.50% · 4.625%
HK$34,380
+HK$1,972/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$64,816/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$325,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,926
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$34,836
−HK$923/mo
Today · 4.125%
HK$35,759
baseline
▲ 0.50% · 4.625%
HK$37,644
+HK$1,885/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$71,518/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$325,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,209
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$40,429
−HK$1,239/mo
Today · 4.125%
HK$41,668
baseline
▲ 0.50% · 4.625%
HK$44,203
+HK$2,535/mo
Deposit HK$955K · loan HK$8.60M · min. income ≈ HK$83,336/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$325,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,620
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$44,790
−HK$1,186/mo
Today · 4.125%
HK$45,976
baseline
▲ 0.50% · 4.625%
HK$48,400
+HK$2,424/mo
Deposit HK$955K · loan HK$8.60M · min. income ≈ HK$91,952/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$325,280 · 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).