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$21,782
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$22,460
−HK$688/mo
Today · 4.125%
HK$23,148
baseline
▲ 0.50% · 4.625%
HK$24,557
+HK$1,409/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$46,296/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$325,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,233
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$24,882
−HK$660/mo
Today · 4.125%
HK$25,542
baseline
▲ 0.50% · 4.625%
HK$26,888
+HK$1,346/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$51,084/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$325,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,139
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$26,952
−HK$826/mo
Today · 4.125%
HK$27,778
baseline
▲ 0.50% · 4.625%
HK$29,468
+HK$1,690/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$55,556/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$325,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,079
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$29,859
−HK$791/mo
Today · 4.125%
HK$30,650
baseline
▲ 0.50% · 4.625%
HK$32,266
+HK$1,616/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$61,300/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$325,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,495
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$31,444
−HK$964/mo
Today · 4.125%
HK$32,408
baseline
▲ 0.50% · 4.625%
HK$34,379
+HK$1,971/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$64,816/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$325,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,926
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$34,835
−HK$924/mo
Today · 4.125%
HK$35,759
baseline
▲ 0.50% · 4.625%
HK$37,643
+HK$1,884/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$71,518/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$325,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,208
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$40,428
−HK$1,239/mo
Today · 4.125%
HK$41,667
baseline
▲ 0.50% · 4.625%
HK$44,202
+HK$2,535/mo
Deposit HK$955K · loan HK$8.60M · min. income ≈ HK$83,334/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$325,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,619
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$44,788
−HK$1,187/mo
Today · 4.125%
HK$45,975
baseline
▲ 0.50% · 4.625%
HK$48,399
+HK$2,424/mo
Deposit HK$955K · loan HK$8.60M · min. income ≈ HK$91,950/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$325,257 · 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).