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$21,805
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$22,483
−HK$689/mo
Today · 4.125%
HK$23,172
baseline
▲ 0.50% · 4.625%
HK$24,582
+HK$1,410/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$46,344/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$326,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,257
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$24,908
−HK$660/mo
Today · 4.125%
HK$25,568
baseline
▲ 0.50% · 4.625%
HK$26,916
+HK$1,348/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$51,136/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$326,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,166
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$26,980
−HK$826/mo
Today · 4.125%
HK$27,806
baseline
▲ 0.50% · 4.625%
HK$29,498
+HK$1,692/mo
Deposit HK$3.82M · loan HK$5.74M · min. income ≈ HK$55,612/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$326,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,109
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$29,890
−HK$792/mo
Today · 4.125%
HK$30,682
baseline
▲ 0.50% · 4.625%
HK$32,299
+HK$1,617/mo
Deposit HK$3.82M · loan HK$5.74M · min. income ≈ HK$61,364/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$326,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,527
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$31,476
−HK$965/mo
Today · 4.125%
HK$32,441
baseline
▲ 0.50% · 4.625%
HK$34,415
+HK$1,974/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$64,882/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$326,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,960
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$34,871
−HK$924/mo
Today · 4.125%
HK$35,795
baseline
▲ 0.50% · 4.625%
HK$37,682
+HK$1,887/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$71,590/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$326,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,248
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$40,469
−HK$1,241/mo
Today · 4.125%
HK$41,710
baseline
▲ 0.50% · 4.625%
HK$44,248
+HK$2,538/mo
Deposit HK$956K · loan HK$8.61M · min. income ≈ HK$83,420/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$326,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,663
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$44,835
−HK$1,187/mo
Today · 4.125%
HK$46,022
baseline
▲ 0.50% · 4.625%
HK$48,448
+HK$2,426/mo
Deposit HK$956K · loan HK$8.61M · min. income ≈ HK$92,044/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$326,239 · 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).