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$21,822
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$22,500
−HK$690/mo
Today · 4.125%
HK$23,190
baseline
▲ 0.50% · 4.625%
HK$24,601
+HK$1,411/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$46,380/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$326,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,276
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$24,927
−HK$661/mo
Today · 4.125%
HK$25,588
baseline
▲ 0.50% · 4.625%
HK$26,937
+HK$1,349/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$51,176/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$326,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,186
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$27,000
−HK$828/mo
Today · 4.125%
HK$27,828
baseline
▲ 0.50% · 4.625%
HK$29,521
+HK$1,693/mo
Deposit HK$3.83M · loan HK$5.74M · min. income ≈ HK$55,656/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$326,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,132
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$29,913
−HK$792/mo
Today · 4.125%
HK$30,705
baseline
▲ 0.50% · 4.625%
HK$32,324
+HK$1,619/mo
Deposit HK$3.83M · loan HK$5.74M · min. income ≈ HK$61,410/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$326,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,550
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$31,501
−HK$965/mo
Today · 4.125%
HK$32,466
baseline
▲ 0.50% · 4.625%
HK$34,442
+HK$1,976/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$64,932/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$326,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,987
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$34,898
−HK$925/mo
Today · 4.125%
HK$35,823
baseline
▲ 0.50% · 4.625%
HK$37,711
+HK$1,888/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$71,646/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$326,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,279
−HK$2,463/mo
▼ 0.25% · 3.875%
HK$40,501
−HK$1,241/mo
Today · 4.125%
HK$41,742
baseline
▲ 0.50% · 4.625%
HK$44,282
+HK$2,540/mo
Deposit HK$957K · loan HK$8.61M · min. income ≈ HK$83,484/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$326,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,697
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$44,869
−HK$1,189/mo
Today · 4.125%
HK$46,058
baseline
▲ 0.50% · 4.625%
HK$48,486
+HK$2,428/mo
Deposit HK$957K · loan HK$8.61M · min. income ≈ HK$92,116/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$326,982 · 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).