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$21,788
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$22,466
−HK$689/mo
Today · 4.125%
HK$23,155
baseline
▲ 0.50% · 4.625%
HK$24,564
+HK$1,409/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$46,310/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$325,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,239
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$24,889
−HK$660/mo
Today · 4.125%
HK$25,549
baseline
▲ 0.50% · 4.625%
HK$26,896
+HK$1,347/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$51,098/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$325,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,146
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$26,959
−HK$827/mo
Today · 4.125%
HK$27,786
baseline
▲ 0.50% · 4.625%
HK$29,476
+HK$1,690/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$55,572/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$325,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,087
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$29,867
−HK$792/mo
Today · 4.125%
HK$30,659
baseline
▲ 0.50% · 4.625%
HK$32,275
+HK$1,616/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$61,318/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$325,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,504
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$31,453
−HK$964/mo
Today · 4.125%
HK$32,417
baseline
▲ 0.50% · 4.625%
HK$34,389
+HK$1,972/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$64,834/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$325,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,935
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$34,845
−HK$924/mo
Today · 4.125%
HK$35,769
baseline
▲ 0.50% · 4.625%
HK$37,654
+HK$1,885/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$71,538/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$325,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,219
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$40,439
−HK$1,239/mo
Today · 4.125%
HK$41,678
baseline
▲ 0.50% · 4.625%
HK$44,215
+HK$2,537/mo
Deposit HK$956K · loan HK$8.60M · min. income ≈ HK$83,356/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$325,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,631
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$44,801
−HK$1,187/mo
Today · 4.125%
HK$45,988
baseline
▲ 0.50% · 4.625%
HK$48,412
+HK$2,424/mo
Deposit HK$956K · loan HK$8.60M · min. income ≈ HK$91,976/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$325,524 · 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).