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$21,820
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$22,498
−HK$690/mo
Today · 4.125%
HK$23,188
baseline
▲ 0.50% · 4.625%
HK$24,599
+HK$1,411/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$46,376/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$326,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,274
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$24,925
−HK$661/mo
Today · 4.125%
HK$25,586
baseline
▲ 0.50% · 4.625%
HK$26,934
+HK$1,348/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$51,172/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$326,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,184
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$26,998
−HK$828/mo
Today · 4.125%
HK$27,826
baseline
▲ 0.50% · 4.625%
HK$29,519
+HK$1,693/mo
Deposit HK$3.83M · loan HK$5.74M · min. income ≈ HK$55,652/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$326,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,129
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$29,910
−HK$793/mo
Today · 4.125%
HK$30,703
baseline
▲ 0.50% · 4.625%
HK$32,321
+HK$1,618/mo
Deposit HK$3.83M · loan HK$5.74M · min. income ≈ HK$61,406/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$326,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,548
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$31,498
−HK$965/mo
Today · 4.125%
HK$32,463
baseline
▲ 0.50% · 4.625%
HK$34,438
+HK$1,975/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$64,926/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$326,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,984
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$34,895
−HK$925/mo
Today · 4.125%
HK$35,820
baseline
▲ 0.50% · 4.625%
HK$37,708
+HK$1,888/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$71,640/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$326,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,275
−HK$2,463/mo
▼ 0.25% · 3.875%
HK$40,497
−HK$1,241/mo
Today · 4.125%
HK$41,738
baseline
▲ 0.50% · 4.625%
HK$44,278
+HK$2,540/mo
Deposit HK$957K · loan HK$8.61M · min. income ≈ HK$83,476/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$326,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,694
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$44,865
−HK$1,189/mo
Today · 4.125%
HK$46,054
baseline
▲ 0.50% · 4.625%
HK$48,482
+HK$2,428/mo
Deposit HK$957K · loan HK$8.61M · min. income ≈ HK$92,108/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$326,896 · 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).