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$21,805
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$22,484
−HK$689/mo
Today · 4.125%
HK$23,173
baseline
▲ 0.50% · 4.625%
HK$24,583
+HK$1,410/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$46,346/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$326,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,258
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$24,909
−HK$660/mo
Today · 4.125%
HK$25,569
baseline
▲ 0.50% · 4.625%
HK$26,917
+HK$1,348/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$51,138/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$326,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,166
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$26,980
−HK$827/mo
Today · 4.125%
HK$27,807
baseline
▲ 0.50% · 4.625%
HK$29,499
+HK$1,692/mo
Deposit HK$3.83M · loan HK$5.74M · min. income ≈ HK$55,614/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$326,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,110
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$29,891
−HK$792/mo
Today · 4.125%
HK$30,683
baseline
▲ 0.50% · 4.625%
HK$32,300
+HK$1,617/mo
Deposit HK$3.83M · loan HK$5.74M · min. income ≈ HK$61,366/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$326,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,528
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$31,477
−HK$965/mo
Today · 4.125%
HK$32,442
baseline
▲ 0.50% · 4.625%
HK$34,416
+HK$1,974/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$64,884/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$326,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,962
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$34,872
−HK$924/mo
Today · 4.125%
HK$35,796
baseline
▲ 0.50% · 4.625%
HK$37,683
+HK$1,887/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$71,592/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$326,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,250
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$40,471
−HK$1,240/mo
Today · 4.125%
HK$41,711
baseline
▲ 0.50% · 4.625%
HK$44,249
+HK$2,538/mo
Deposit HK$956K · loan HK$8.61M · min. income ≈ HK$83,422/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$326,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,665
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$44,836
−HK$1,188/mo
Today · 4.125%
HK$46,024
baseline
▲ 0.50% · 4.625%
HK$48,450
+HK$2,426/mo
Deposit HK$956K · loan HK$8.61M · min. income ≈ HK$92,048/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$326,271 · 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).