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$21,808
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$22,486
−HK$689/mo
Today · 4.125%
HK$23,175
baseline
▲ 0.50% · 4.625%
HK$24,586
+HK$1,411/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$46,350/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$326,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,261
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$24,912
−HK$660/mo
Today · 4.125%
HK$25,572
baseline
▲ 0.50% · 4.625%
HK$26,920
+HK$1,348/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$51,144/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$326,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,170
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$26,984
−HK$827/mo
Today · 4.125%
HK$27,811
baseline
▲ 0.50% · 4.625%
HK$29,503
+HK$1,692/mo
Deposit HK$3.83M · loan HK$5.74M · min. income ≈ HK$55,622/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$326,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,113
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$29,894
−HK$792/mo
Today · 4.125%
HK$30,686
baseline
▲ 0.50% · 4.625%
HK$32,304
+HK$1,618/mo
Deposit HK$3.83M · loan HK$5.74M · min. income ≈ HK$61,372/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$326,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,531
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$31,481
−HK$965/mo
Today · 4.125%
HK$32,446
baseline
▲ 0.50% · 4.625%
HK$34,420
+HK$1,974/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$64,892/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$326,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,966
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$34,877
−HK$924/mo
Today · 4.125%
HK$35,801
baseline
▲ 0.50% · 4.625%
HK$37,688
+HK$1,887/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$71,602/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$326,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,254
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$40,475
−HK$1,241/mo
Today · 4.125%
HK$41,716
baseline
▲ 0.50% · 4.625%
HK$44,254
+HK$2,538/mo
Deposit HK$956K · loan HK$8.61M · min. income ≈ HK$83,432/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$326,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,670
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$44,841
−HK$1,188/mo
Today · 4.125%
HK$46,029
baseline
▲ 0.50% · 4.625%
HK$48,456
+HK$2,427/mo
Deposit HK$956K · loan HK$8.61M · min. income ≈ HK$92,058/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$326,382 · 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).