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$21,788
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$22,466
−HK$688/mo
Today · 4.125%
HK$23,154
baseline
▲ 0.50% · 4.625%
HK$24,563
+HK$1,409/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$46,308/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$325,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,239
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$24,889
−HK$659/mo
Today · 4.125%
HK$25,548
baseline
▲ 0.50% · 4.625%
HK$26,895
+HK$1,347/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$51,096/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$325,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,145
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$26,959
−HK$826/mo
Today · 4.125%
HK$27,785
baseline
▲ 0.50% · 4.625%
HK$29,476
+HK$1,691/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$55,570/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$325,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,087
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$29,867
−HK$791/mo
Today · 4.125%
HK$30,658
baseline
▲ 0.50% · 4.625%
HK$32,274
+HK$1,616/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$61,316/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$325,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,503
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$31,452
−HK$964/mo
Today · 4.125%
HK$32,416
baseline
▲ 0.50% · 4.625%
HK$34,388
+HK$1,972/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$64,832/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$325,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,934
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$34,844
−HK$924/mo
Today · 4.125%
HK$35,768
baseline
▲ 0.50% · 4.625%
HK$37,653
+HK$1,885/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$71,536/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$325,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,218
−HK$2,460/mo
▼ 0.25% · 3.875%
HK$40,438
−HK$1,240/mo
Today · 4.125%
HK$41,678
baseline
▲ 0.50% · 4.625%
HK$44,214
+HK$2,536/mo
Deposit HK$956K · loan HK$8.60M · min. income ≈ HK$83,356/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$325,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,630
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$44,800
−HK$1,187/mo
Today · 4.125%
HK$45,987
baseline
▲ 0.50% · 4.625%
HK$48,411
+HK$2,424/mo
Deposit HK$956K · loan HK$8.60M · min. income ≈ HK$91,974/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$325,502 · 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).