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$21,835
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$22,514
−HK$690/mo
Today · 4.125%
HK$23,204
baseline
▲ 0.50% · 4.625%
HK$24,616
+HK$1,412/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$46,408/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$327,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,291
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$24,942
−HK$661/mo
Today · 4.125%
HK$25,603
baseline
▲ 0.50% · 4.625%
HK$26,953
+HK$1,350/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$51,206/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$327,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,201
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$27,016
−HK$829/mo
Today · 4.125%
HK$27,845
baseline
▲ 0.50% · 4.625%
HK$29,539
+HK$1,694/mo
Deposit HK$3.83M · loan HK$5.75M · min. income ≈ HK$55,690/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$327,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,149
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$29,931
−HK$793/mo
Today · 4.125%
HK$30,724
baseline
▲ 0.50% · 4.625%
HK$32,343
+HK$1,619/mo
Deposit HK$3.83M · loan HK$5.75M · min. income ≈ HK$61,448/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$327,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,568
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$31,519
−HK$966/mo
Today · 4.125%
HK$32,485
baseline
▲ 0.50% · 4.625%
HK$34,462
+HK$1,977/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$64,970/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$327,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,007
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$34,919
−HK$925/mo
Today · 4.125%
HK$35,844
baseline
▲ 0.50% · 4.625%
HK$37,734
+HK$1,890/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$71,688/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$327,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,302
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$40,525
−HK$1,242/mo
Today · 4.125%
HK$41,767
baseline
▲ 0.50% · 4.625%
HK$44,308
+HK$2,541/mo
Deposit HK$958K · loan HK$8.62M · min. income ≈ HK$83,534/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$327,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,723
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$44,896
−HK$1,190/mo
Today · 4.125%
HK$46,086
baseline
▲ 0.50% · 4.625%
HK$48,515
+HK$2,429/mo
Deposit HK$958K · loan HK$8.62M · min. income ≈ HK$92,172/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$327,548 · 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).