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$21,817
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$22,495
−HK$690/mo
Today · 4.125%
HK$23,185
baseline
▲ 0.50% · 4.625%
HK$24,595
+HK$1,410/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$46,370/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$326,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,271
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$24,922
−HK$660/mo
Today · 4.125%
HK$25,582
baseline
▲ 0.50% · 4.625%
HK$26,930
+HK$1,348/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$51,164/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$326,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,180
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$26,994
−HK$828/mo
Today · 4.125%
HK$27,822
baseline
▲ 0.50% · 4.625%
HK$29,515
+HK$1,693/mo
Deposit HK$3.83M · loan HK$5.74M · min. income ≈ HK$55,644/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$326,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,125
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$29,906
−HK$792/mo
Today · 4.125%
HK$30,698
baseline
▲ 0.50% · 4.625%
HK$32,317
+HK$1,619/mo
Deposit HK$3.83M · loan HK$5.74M · min. income ≈ HK$61,396/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$326,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,543
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$31,493
−HK$966/mo
Today · 4.125%
HK$32,459
baseline
▲ 0.50% · 4.625%
HK$34,434
+HK$1,975/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$64,918/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$326,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,979
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$34,890
−HK$925/mo
Today · 4.125%
HK$35,815
baseline
▲ 0.50% · 4.625%
HK$37,703
+HK$1,888/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$71,630/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$326,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,270
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$40,491
−HK$1,241/mo
Today · 4.125%
HK$41,732
baseline
▲ 0.50% · 4.625%
HK$44,272
+HK$2,540/mo
Deposit HK$957K · loan HK$8.61M · min. income ≈ HK$83,464/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$326,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,687
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$44,859
−HK$1,189/mo
Today · 4.125%
HK$46,048
baseline
▲ 0.50% · 4.625%
HK$48,475
+HK$2,427/mo
Deposit HK$957K · loan HK$8.61M · min. income ≈ HK$92,096/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$326,761 · 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).