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$21,800
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$22,478
−HK$689/mo
Today · 4.125%
HK$23,167
baseline
▲ 0.50% · 4.625%
HK$24,577
+HK$1,410/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$46,334/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$326,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,252
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$24,903
−HK$659/mo
Today · 4.125%
HK$25,562
baseline
▲ 0.50% · 4.625%
HK$26,910
+HK$1,348/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$51,124/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$326,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,160
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$26,974
−HK$826/mo
Today · 4.125%
HK$27,800
baseline
▲ 0.50% · 4.625%
HK$29,492
+HK$1,692/mo
Deposit HK$3.82M · loan HK$5.74M · min. income ≈ HK$55,600/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$326,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,103
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$29,883
−HK$792/mo
Today · 4.125%
HK$30,675
baseline
▲ 0.50% · 4.625%
HK$32,292
+HK$1,617/mo
Deposit HK$3.82M · loan HK$5.74M · min. income ≈ HK$61,350/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$326,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,520
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$31,469
−HK$965/mo
Today · 4.125%
HK$32,434
baseline
▲ 0.50% · 4.625%
HK$34,407
+HK$1,973/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$64,868/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$326,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,953
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$34,864
−HK$923/mo
Today · 4.125%
HK$35,787
baseline
▲ 0.50% · 4.625%
HK$37,674
+HK$1,887/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$71,574/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$326,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,240
−HK$2,460/mo
▼ 0.25% · 3.875%
HK$40,460
−HK$1,240/mo
Today · 4.125%
HK$41,700
baseline
▲ 0.50% · 4.625%
HK$44,238
+HK$2,538/mo
Deposit HK$956K · loan HK$8.60M · min. income ≈ HK$83,400/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$326,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,654
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$44,825
−HK$1,187/mo
Today · 4.125%
HK$46,012
baseline
▲ 0.50% · 4.625%
HK$48,438
+HK$2,426/mo
Deposit HK$956K · loan HK$8.60M · min. income ≈ HK$92,024/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$326,028 · 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).