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$1,365/mo
▼ 0.25% · 3.875%
HK$22,454
−HK$688/mo
Today · 4.125%
HK$23,142
baseline
▲ 0.50% · 4.625%
HK$24,551
+HK$1,409/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$46,284/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$325,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,227
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$24,876
−HK$659/mo
Today · 4.125%
HK$25,535
baseline
▲ 0.50% · 4.625%
HK$26,881
+HK$1,346/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$51,070/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$325,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,132
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$26,945
−HK$826/mo
Today · 4.125%
HK$27,771
baseline
▲ 0.50% · 4.625%
HK$29,461
+HK$1,690/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$55,542/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$325,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,072
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$29,852
−HK$790/mo
Today · 4.125%
HK$30,642
baseline
▲ 0.50% · 4.625%
HK$32,258
+HK$1,616/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$61,284/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$325,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,488
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$31,436
−HK$963/mo
Today · 4.125%
HK$32,399
baseline
▲ 0.50% · 4.625%
HK$34,371
+HK$1,972/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$64,798/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$325,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,917
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$34,827
−HK$923/mo
Today · 4.125%
HK$35,750
baseline
▲ 0.50% · 4.625%
HK$37,634
+HK$1,884/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$325,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,198
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$40,418
−HK$1,238/mo
Today · 4.125%
HK$41,656
baseline
▲ 0.50% · 4.625%
HK$44,191
+HK$2,535/mo
Deposit HK$955K · loan HK$8.60M · min. income ≈ HK$83,312/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$325,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,608
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$44,777
−HK$1,187/mo
Today · 4.125%
HK$45,964
baseline
▲ 0.50% · 4.625%
HK$48,387
+HK$2,423/mo
Deposit HK$955K · loan HK$8.60M · min. income ≈ HK$91,928/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$325,017 · 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).