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$21,780
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$22,457
−HK$688/mo
Today · 4.125%
HK$23,145
baseline
▲ 0.50% · 4.625%
HK$24,554
+HK$1,409/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$46,290/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$325,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,230
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$24,879
−HK$660/mo
Today · 4.125%
HK$25,539
baseline
▲ 0.50% · 4.625%
HK$26,885
+HK$1,346/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$51,078/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$325,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,135
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$26,948
−HK$826/mo
Today · 4.125%
HK$27,774
baseline
▲ 0.50% · 4.625%
HK$29,464
+HK$1,690/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$55,548/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$325,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,075
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$29,855
−HK$791/mo
Today · 4.125%
HK$30,646
baseline
▲ 0.50% · 4.625%
HK$32,262
+HK$1,616/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$61,292/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$325,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,491
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$31,440
−HK$963/mo
Today · 4.125%
HK$32,403
baseline
▲ 0.50% · 4.625%
HK$34,375
+HK$1,972/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$64,806/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$325,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,921
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$34,831
−HK$923/mo
Today · 4.125%
HK$35,754
baseline
▲ 0.50% · 4.625%
HK$37,639
+HK$1,885/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$71,508/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$325,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,203
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$40,423
−HK$1,239/mo
Today · 4.125%
HK$41,662
baseline
▲ 0.50% · 4.625%
HK$44,197
+HK$2,535/mo
Deposit HK$955K · loan HK$8.60M · min. income ≈ HK$83,324/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$325,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,613
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$44,783
−HK$1,186/mo
Today · 4.125%
HK$45,969
baseline
▲ 0.50% · 4.625%
HK$48,393
+HK$2,424/mo
Deposit HK$955K · loan HK$8.60M · min. income ≈ HK$91,938/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$325,136 · 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).