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$21,784
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$22,461
−HK$689/mo
Today · 4.125%
HK$23,150
baseline
▲ 0.50% · 4.625%
HK$24,558
+HK$1,408/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$46,300/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$325,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,234
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$24,884
−HK$659/mo
Today · 4.125%
HK$25,543
baseline
▲ 0.50% · 4.625%
HK$26,890
+HK$1,347/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$51,086/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$325,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,140
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$26,953
−HK$826/mo
Today · 4.125%
HK$27,779
baseline
▲ 0.50% · 4.625%
HK$29,470
+HK$1,691/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$55,558/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$325,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,081
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$29,861
−HK$791/mo
Today · 4.125%
HK$30,652
baseline
▲ 0.50% · 4.625%
HK$32,268
+HK$1,616/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$61,304/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$325,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,497
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$31,446
−HK$963/mo
Today · 4.125%
HK$32,409
baseline
▲ 0.50% · 4.625%
HK$34,381
+HK$1,972/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$64,818/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$325,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,928
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$34,837
−HK$924/mo
Today · 4.125%
HK$35,761
baseline
▲ 0.50% · 4.625%
HK$37,646
+HK$1,885/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$71,522/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$325,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,210
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$40,430
−HK$1,239/mo
Today · 4.125%
HK$41,669
baseline
▲ 0.50% · 4.625%
HK$44,205
+HK$2,536/mo
Deposit HK$955K · loan HK$8.60M · min. income ≈ HK$83,338/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$325,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,621
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$44,791
−HK$1,187/mo
Today · 4.125%
HK$45,978
baseline
▲ 0.50% · 4.625%
HK$48,401
+HK$2,423/mo
Deposit HK$955K · loan HK$8.60M · min. income ≈ HK$91,956/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$325,311 · 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).