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$21,795
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$22,473
−HK$689/mo
Today · 4.125%
HK$23,162
baseline
▲ 0.50% · 4.625%
HK$24,571
+HK$1,409/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$46,324/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$325,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,247
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$24,897
−HK$659/mo
Today · 4.125%
HK$25,556
baseline
▲ 0.50% · 4.625%
HK$26,904
+HK$1,348/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$51,112/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$325,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,154
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$26,967
−HK$827/mo
Today · 4.125%
HK$27,794
baseline
▲ 0.50% · 4.625%
HK$29,485
+HK$1,691/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$55,588/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$325,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,096
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$29,876
−HK$792/mo
Today · 4.125%
HK$30,668
baseline
▲ 0.50% · 4.625%
HK$32,284
+HK$1,616/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$61,336/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$325,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,513
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$31,462
−HK$964/mo
Today · 4.125%
HK$32,426
baseline
▲ 0.50% · 4.625%
HK$34,399
+HK$1,973/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$64,852/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$325,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,945
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$34,856
−HK$923/mo
Today · 4.125%
HK$35,779
baseline
▲ 0.50% · 4.625%
HK$37,665
+HK$1,886/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$71,558/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$325,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,231
−HK$2,460/mo
▼ 0.25% · 3.875%
HK$40,451
−HK$1,240/mo
Today · 4.125%
HK$41,691
baseline
▲ 0.50% · 4.625%
HK$44,228
+HK$2,537/mo
Deposit HK$956K · loan HK$8.60M · min. income ≈ HK$83,382/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$325,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,644
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$44,814
−HK$1,188/mo
Today · 4.125%
HK$46,002
baseline
▲ 0.50% · 4.625%
HK$48,426
+HK$2,424/mo
Deposit HK$956K · loan HK$8.60M · min. income ≈ HK$92,004/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$325,806 · 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).