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$21,785
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$22,463
−HK$688/mo
Today · 4.125%
HK$23,151
baseline
▲ 0.50% · 4.625%
HK$24,560
+HK$1,409/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$46,302/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$325,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,236
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$24,886
−HK$659/mo
Today · 4.125%
HK$25,545
baseline
▲ 0.50% · 4.625%
HK$26,892
+HK$1,347/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$51,090/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$325,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,142
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$26,955
−HK$827/mo
Today · 4.125%
HK$27,782
baseline
▲ 0.50% · 4.625%
HK$29,472
+HK$1,690/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$55,564/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$325,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,083
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$29,863
−HK$791/mo
Today · 4.125%
HK$30,654
baseline
▲ 0.50% · 4.625%
HK$32,270
+HK$1,616/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$61,308/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$325,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,499
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$31,448
−HK$964/mo
Today · 4.125%
HK$32,412
baseline
▲ 0.50% · 4.625%
HK$34,384
+HK$1,972/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$64,824/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$325,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,930
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$34,840
−HK$923/mo
Today · 4.125%
HK$35,763
baseline
▲ 0.50% · 4.625%
HK$37,648
+HK$1,885/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$71,526/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$325,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,213
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$40,433
−HK$1,239/mo
Today · 4.125%
HK$41,672
baseline
▲ 0.50% · 4.625%
HK$44,208
+HK$2,536/mo
Deposit HK$955K · loan HK$8.60M · min. income ≈ HK$83,344/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$325,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,625
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$44,795
−HK$1,186/mo
Today · 4.125%
HK$45,981
baseline
▲ 0.50% · 4.625%
HK$48,405
+HK$2,424/mo
Deposit HK$955K · loan HK$8.60M · min. income ≈ HK$91,962/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$325,386 · 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).