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$21,777
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$22,455
−HK$688/mo
Today · 4.125%
HK$23,143
baseline
▲ 0.50% · 4.625%
HK$24,551
+HK$1,408/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$46,286/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$325,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,227
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$24,877
−HK$659/mo
Today · 4.125%
HK$25,536
baseline
▲ 0.50% · 4.625%
HK$26,882
+HK$1,346/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$51,072/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$325,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,133
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$26,946
−HK$826/mo
Today · 4.125%
HK$27,772
baseline
▲ 0.50% · 4.625%
HK$29,461
+HK$1,689/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$55,544/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$325,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,072
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$29,852
−HK$791/mo
Today · 4.125%
HK$30,643
baseline
▲ 0.50% · 4.625%
HK$32,258
+HK$1,615/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$61,286/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$325,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,488
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$31,437
−HK$963/mo
Today · 4.125%
HK$32,400
baseline
▲ 0.50% · 4.625%
HK$34,372
+HK$1,972/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$64,800/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$325,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,918
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$34,828
−HK$922/mo
Today · 4.125%
HK$35,750
baseline
▲ 0.50% · 4.625%
HK$37,635
+HK$1,885/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$71,500/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$325,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,199
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$40,419
−HK$1,238/mo
Today · 4.125%
HK$41,657
baseline
▲ 0.50% · 4.625%
HK$44,192
+HK$2,535/mo
Deposit HK$955K · loan HK$8.60M · min. income ≈ HK$83,314/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$325,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,609
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$44,778
−HK$1,187/mo
Today · 4.125%
HK$45,965
baseline
▲ 0.50% · 4.625%
HK$48,388
+HK$2,423/mo
Deposit HK$955K · loan HK$8.60M · min. income ≈ HK$91,930/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$325,039 · 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).