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$21,810
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$22,488
−HK$689/mo
Today · 4.125%
HK$23,177
baseline
▲ 0.50% · 4.625%
HK$24,588
+HK$1,411/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$46,354/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$326,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,263
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$24,914
−HK$660/mo
Today · 4.125%
HK$25,574
baseline
▲ 0.50% · 4.625%
HK$26,922
+HK$1,348/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$51,148/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$326,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,172
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$26,986
−HK$827/mo
Today · 4.125%
HK$27,813
baseline
▲ 0.50% · 4.625%
HK$29,505
+HK$1,692/mo
Deposit HK$3.83M · loan HK$5.74M · min. income ≈ HK$55,626/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$326,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,116
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$29,897
−HK$792/mo
Today · 4.125%
HK$30,689
baseline
▲ 0.50% · 4.625%
HK$32,306
+HK$1,617/mo
Deposit HK$3.83M · loan HK$5.74M · min. income ≈ HK$61,378/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$326,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,534
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$31,483
−HK$965/mo
Today · 4.125%
HK$32,448
baseline
▲ 0.50% · 4.625%
HK$34,423
+HK$1,975/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$64,896/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$326,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,968
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$34,879
−HK$925/mo
Today · 4.125%
HK$35,804
baseline
▲ 0.50% · 4.625%
HK$37,691
+HK$1,887/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$71,608/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$326,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,257
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$40,479
−HK$1,240/mo
Today · 4.125%
HK$41,719
baseline
▲ 0.50% · 4.625%
HK$44,258
+HK$2,539/mo
Deposit HK$956K · loan HK$8.61M · min. income ≈ HK$83,438/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$326,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,674
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$44,845
−HK$1,188/mo
Today · 4.125%
HK$46,033
baseline
▲ 0.50% · 4.625%
HK$48,460
+HK$2,427/mo
Deposit HK$956K · loan HK$8.61M · min. income ≈ HK$92,066/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$326,459 · 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).