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$21,778
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$22,456
−HK$688/mo
Today · 4.125%
HK$23,144
baseline
▲ 0.50% · 4.625%
HK$24,552
+HK$1,408/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$46,288/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$325,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,228
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$24,878
−HK$659/mo
Today · 4.125%
HK$25,537
baseline
▲ 0.50% · 4.625%
HK$26,883
+HK$1,346/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$51,074/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$325,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,134
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$26,947
−HK$826/mo
Today · 4.125%
HK$27,773
baseline
▲ 0.50% · 4.625%
HK$29,462
+HK$1,689/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$55,546/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$325,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,074
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$29,853
−HK$791/mo
Today · 4.125%
HK$30,644
baseline
▲ 0.50% · 4.625%
HK$32,260
+HK$1,616/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$61,288/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$325,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,489
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$31,438
−HK$963/mo
Today · 4.125%
HK$32,401
baseline
▲ 0.50% · 4.625%
HK$34,373
+HK$1,972/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$64,802/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$325,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,919
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$34,829
−HK$923/mo
Today · 4.125%
HK$35,752
baseline
▲ 0.50% · 4.625%
HK$37,636
+HK$1,884/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$71,504/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$325,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,201
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$40,420
−HK$1,239/mo
Today · 4.125%
HK$41,659
baseline
▲ 0.50% · 4.625%
HK$44,194
+HK$2,535/mo
Deposit HK$955K · loan HK$8.60M · min. income ≈ HK$83,318/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$325,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,610
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$44,780
−HK$1,186/mo
Today · 4.125%
HK$45,966
baseline
▲ 0.50% · 4.625%
HK$48,389
+HK$2,423/mo
Deposit HK$955K · loan HK$8.60M · min. income ≈ HK$91,932/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$325,074 · 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).