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$21,814
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$22,492
−HK$690/mo
Today · 4.125%
HK$23,182
baseline
▲ 0.50% · 4.625%
HK$24,592
+HK$1,410/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$46,364/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$326,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,268
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$24,918
−HK$661/mo
Today · 4.125%
HK$25,579
baseline
▲ 0.50% · 4.625%
HK$26,927
+HK$1,348/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$51,158/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$326,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,177
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$26,991
−HK$827/mo
Today · 4.125%
HK$27,818
baseline
▲ 0.50% · 4.625%
HK$29,511
+HK$1,693/mo
Deposit HK$3.83M · loan HK$5.74M · min. income ≈ HK$55,636/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$326,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,121
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$29,902
−HK$792/mo
Today · 4.125%
HK$30,694
baseline
▲ 0.50% · 4.625%
HK$32,312
+HK$1,618/mo
Deposit HK$3.83M · loan HK$5.74M · min. income ≈ HK$61,388/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$326,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,539
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$31,489
−HK$965/mo
Today · 4.125%
HK$32,454
baseline
▲ 0.50% · 4.625%
HK$34,429
+HK$1,975/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$64,908/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$326,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,975
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$34,886
−HK$924/mo
Today · 4.125%
HK$35,810
baseline
▲ 0.50% · 4.625%
HK$37,698
+HK$1,888/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$71,620/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$326,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,265
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$40,486
−HK$1,241/mo
Today · 4.125%
HK$41,727
baseline
▲ 0.50% · 4.625%
HK$44,266
+HK$2,539/mo
Deposit HK$957K · loan HK$8.61M · min. income ≈ HK$83,454/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$326,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,682
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$44,853
−HK$1,189/mo
Today · 4.125%
HK$46,042
baseline
▲ 0.50% · 4.625%
HK$48,469
+HK$2,427/mo
Deposit HK$957K · loan HK$8.61M · min. income ≈ HK$92,084/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$326,637 · 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).