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$21,794
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$22,471
−HK$689/mo
Today · 4.125%
HK$23,160
baseline
▲ 0.50% · 4.625%
HK$24,569
+HK$1,409/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$46,320/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$325,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,245
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$24,895
−HK$660/mo
Today · 4.125%
HK$25,555
baseline
▲ 0.50% · 4.625%
HK$26,902
+HK$1,347/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$51,110/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$325,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,152
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$26,966
−HK$826/mo
Today · 4.125%
HK$27,792
baseline
▲ 0.50% · 4.625%
HK$29,483
+HK$1,691/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$55,584/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$325,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,094
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$29,874
−HK$792/mo
Today · 4.125%
HK$30,666
baseline
▲ 0.50% · 4.625%
HK$32,282
+HK$1,616/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$61,332/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$325,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,511
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$31,460
−HK$964/mo
Today · 4.125%
HK$32,424
baseline
▲ 0.50% · 4.625%
HK$34,397
+HK$1,973/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$64,848/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$325,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,943
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$34,853
−HK$924/mo
Today · 4.125%
HK$35,777
baseline
▲ 0.50% · 4.625%
HK$37,663
+HK$1,886/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$71,554/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$325,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,228
−HK$2,460/mo
▼ 0.25% · 3.875%
HK$40,449
−HK$1,239/mo
Today · 4.125%
HK$41,688
baseline
▲ 0.50% · 4.625%
HK$44,225
+HK$2,537/mo
Deposit HK$956K · loan HK$8.60M · min. income ≈ HK$83,376/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$325,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,641
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$44,812
−HK$1,187/mo
Today · 4.125%
HK$45,999
baseline
▲ 0.50% · 4.625%
HK$48,424
+HK$2,425/mo
Deposit HK$956K · loan HK$8.60M · min. income ≈ HK$91,998/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$325,750 · 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).