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$21,786
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$22,463
−HK$689/mo
Today · 4.125%
HK$23,152
baseline
▲ 0.50% · 4.625%
HK$24,561
+HK$1,409/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$46,304/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$325,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,236
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$24,886
−HK$660/mo
Today · 4.125%
HK$25,546
baseline
▲ 0.50% · 4.625%
HK$26,892
+HK$1,346/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$51,092/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$325,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,143
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$26,956
−HK$826/mo
Today · 4.125%
HK$27,782
baseline
▲ 0.50% · 4.625%
HK$29,473
+HK$1,691/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$55,564/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$325,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,084
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$29,864
−HK$791/mo
Today · 4.125%
HK$30,655
baseline
▲ 0.50% · 4.625%
HK$32,271
+HK$1,616/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$61,310/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$325,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,500
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$31,449
−HK$964/mo
Today · 4.125%
HK$32,413
baseline
▲ 0.50% · 4.625%
HK$34,385
+HK$1,972/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$64,826/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$325,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,931
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$34,841
−HK$923/mo
Today · 4.125%
HK$35,764
baseline
▲ 0.50% · 4.625%
HK$37,649
+HK$1,885/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$71,528/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$325,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,214
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$40,434
−HK$1,239/mo
Today · 4.125%
HK$41,673
baseline
▲ 0.50% · 4.625%
HK$44,209
+HK$2,536/mo
Deposit HK$955K · loan HK$8.60M · min. income ≈ HK$83,346/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$325,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,626
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$44,796
−HK$1,186/mo
Today · 4.125%
HK$45,982
baseline
▲ 0.50% · 4.625%
HK$48,406
+HK$2,424/mo
Deposit HK$955K · loan HK$8.60M · min. income ≈ HK$91,964/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$325,407 · 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).