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$21,790
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$22,468
−HK$689/mo
Today · 4.125%
HK$23,157
baseline
▲ 0.50% · 4.625%
HK$24,566
+HK$1,409/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$46,314/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$325,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,241
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$24,892
−HK$659/mo
Today · 4.125%
HK$25,551
baseline
▲ 0.50% · 4.625%
HK$26,898
+HK$1,347/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$51,102/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$325,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,148
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$26,962
−HK$826/mo
Today · 4.125%
HK$27,788
baseline
▲ 0.50% · 4.625%
HK$29,479
+HK$1,691/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$55,576/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$325,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,090
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$29,870
−HK$791/mo
Today · 4.125%
HK$30,661
baseline
▲ 0.50% · 4.625%
HK$32,277
+HK$1,616/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$61,322/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$325,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,506
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$31,455
−HK$964/mo
Today · 4.125%
HK$32,419
baseline
▲ 0.50% · 4.625%
HK$34,392
+HK$1,973/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$64,838/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$325,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,938
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$34,848
−HK$924/mo
Today · 4.125%
HK$35,772
baseline
▲ 0.50% · 4.625%
HK$37,657
+HK$1,885/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$71,544/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$325,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,222
−HK$2,460/mo
▼ 0.25% · 3.875%
HK$40,442
−HK$1,240/mo
Today · 4.125%
HK$41,682
baseline
▲ 0.50% · 4.625%
HK$44,218
+HK$2,536/mo
Deposit HK$956K · loan HK$8.60M · min. income ≈ HK$83,364/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$325,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,635
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$44,805
−HK$1,187/mo
Today · 4.125%
HK$45,992
baseline
▲ 0.50% · 4.625%
HK$48,416
+HK$2,424/mo
Deposit HK$956K · loan HK$8.60M · min. income ≈ HK$91,984/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$325,604 · 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).