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$21,818
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$22,497
−HK$689/mo
Today · 4.125%
HK$23,186
baseline
▲ 0.50% · 4.625%
HK$24,597
+HK$1,411/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$46,372/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$326,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,272
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$24,923
−HK$661/mo
Today · 4.125%
HK$25,584
baseline
▲ 0.50% · 4.625%
HK$26,932
+HK$1,348/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$51,168/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$326,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,182
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$26,996
−HK$827/mo
Today · 4.125%
HK$27,823
baseline
▲ 0.50% · 4.625%
HK$29,516
+HK$1,693/mo
Deposit HK$3.83M · loan HK$5.74M · min. income ≈ HK$55,646/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$326,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,127
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$29,908
−HK$792/mo
Today · 4.125%
HK$30,700
baseline
▲ 0.50% · 4.625%
HK$32,319
+HK$1,619/mo
Deposit HK$3.83M · loan HK$5.74M · min. income ≈ HK$61,400/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$326,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,545
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$31,495
−HK$966/mo
Today · 4.125%
HK$32,461
baseline
▲ 0.50% · 4.625%
HK$34,436
+HK$1,975/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$64,922/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$326,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,981
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$34,892
−HK$925/mo
Today · 4.125%
HK$35,817
baseline
▲ 0.50% · 4.625%
HK$37,705
+HK$1,888/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$71,634/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$326,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,272
−HK$2,463/mo
▼ 0.25% · 3.875%
HK$40,494
−HK$1,241/mo
Today · 4.125%
HK$41,735
baseline
▲ 0.50% · 4.625%
HK$44,274
+HK$2,539/mo
Deposit HK$957K · loan HK$8.61M · min. income ≈ HK$83,470/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$326,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,690
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$44,862
−HK$1,188/mo
Today · 4.125%
HK$46,050
baseline
▲ 0.50% · 4.625%
HK$48,478
+HK$2,428/mo
Deposit HK$957K · loan HK$8.61M · min. income ≈ HK$92,100/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$326,819 · 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).