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$21,803
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$22,481
−HK$689/mo
Today · 4.125%
HK$23,170
baseline
▲ 0.50% · 4.625%
HK$24,580
+HK$1,410/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$46,340/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$326,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,256
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$24,906
−HK$660/mo
Today · 4.125%
HK$25,566
baseline
▲ 0.50% · 4.625%
HK$26,914
+HK$1,348/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$51,132/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$326,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,164
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$26,977
−HK$827/mo
Today · 4.125%
HK$27,804
baseline
▲ 0.50% · 4.625%
HK$29,496
+HK$1,692/mo
Deposit HK$3.82M · loan HK$5.74M · min. income ≈ HK$55,608/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$326,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,107
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$29,887
−HK$792/mo
Today · 4.125%
HK$30,679
baseline
▲ 0.50% · 4.625%
HK$32,297
+HK$1,618/mo
Deposit HK$3.82M · loan HK$5.74M · min. income ≈ HK$61,358/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$326,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,524
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$31,474
−HK$964/mo
Today · 4.125%
HK$32,438
baseline
▲ 0.50% · 4.625%
HK$34,412
+HK$1,974/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$64,876/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$326,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,958
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$34,869
−HK$924/mo
Today · 4.125%
HK$35,793
baseline
▲ 0.50% · 4.625%
HK$37,679
+HK$1,886/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$71,586/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$326,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,245
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$40,466
−HK$1,241/mo
Today · 4.125%
HK$41,707
baseline
▲ 0.50% · 4.625%
HK$44,244
+HK$2,537/mo
Deposit HK$956K · loan HK$8.61M · min. income ≈ HK$83,414/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$326,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,660
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$44,831
−HK$1,188/mo
Today · 4.125%
HK$46,019
baseline
▲ 0.50% · 4.625%
HK$48,445
+HK$2,426/mo
Deposit HK$956K · loan HK$8.61M · min. income ≈ HK$92,038/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$326,167 · 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).