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$21,781
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$22,459
−HK$688/mo
Today · 4.125%
HK$23,147
baseline
▲ 0.50% · 4.625%
HK$24,556
+HK$1,409/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$46,294/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$325,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,232
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$24,881
−HK$660/mo
Today · 4.125%
HK$25,541
baseline
▲ 0.50% · 4.625%
HK$26,887
+HK$1,346/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$51,082/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$325,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,138
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$26,951
−HK$826/mo
Today · 4.125%
HK$27,777
baseline
▲ 0.50% · 4.625%
HK$29,467
+HK$1,690/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$55,554/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$325,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,078
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$29,858
−HK$791/mo
Today · 4.125%
HK$30,649
baseline
▲ 0.50% · 4.625%
HK$32,264
+HK$1,615/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$61,298/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$325,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,494
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$31,442
−HK$964/mo
Today · 4.125%
HK$32,406
baseline
▲ 0.50% · 4.625%
HK$34,378
+HK$1,972/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$64,812/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$325,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,924
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$34,834
−HK$923/mo
Today · 4.125%
HK$35,757
baseline
▲ 0.50% · 4.625%
HK$37,642
+HK$1,885/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$71,514/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$325,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,206
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$40,426
−HK$1,239/mo
Today · 4.125%
HK$41,665
baseline
▲ 0.50% · 4.625%
HK$44,200
+HK$2,535/mo
Deposit HK$955K · loan HK$8.60M · min. income ≈ HK$83,330/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$325,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,617
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$44,787
−HK$1,186/mo
Today · 4.125%
HK$45,973
baseline
▲ 0.50% · 4.625%
HK$48,397
+HK$2,424/mo
Deposit HK$955K · loan HK$8.60M · min. income ≈ HK$91,946/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$325,216 · 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).