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$21,787
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$22,465
−HK$688/mo
Today · 4.125%
HK$23,153
baseline
▲ 0.50% · 4.625%
HK$24,562
+HK$1,409/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$46,306/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$325,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,238
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$24,888
−HK$660/mo
Today · 4.125%
HK$25,548
baseline
▲ 0.50% · 4.625%
HK$26,894
+HK$1,346/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$51,096/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$325,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,145
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$26,958
−HK$826/mo
Today · 4.125%
HK$27,784
baseline
▲ 0.50% · 4.625%
HK$29,475
+HK$1,691/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$55,568/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$325,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,086
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$29,866
−HK$791/mo
Today · 4.125%
HK$30,657
baseline
▲ 0.50% · 4.625%
HK$32,273
+HK$1,616/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$61,314/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$325,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,502
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$31,451
−HK$964/mo
Today · 4.125%
HK$32,415
baseline
▲ 0.50% · 4.625%
HK$34,387
+HK$1,972/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$64,830/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$325,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,933
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$34,843
−HK$924/mo
Today · 4.125%
HK$35,767
baseline
▲ 0.50% · 4.625%
HK$37,652
+HK$1,885/mo
Deposit HK$2.87M · loan HK$6.69M · min. income ≈ HK$71,534/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$325,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,217
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$40,437
−HK$1,239/mo
Today · 4.125%
HK$41,676
baseline
▲ 0.50% · 4.625%
HK$44,212
+HK$2,536/mo
Deposit HK$955K · loan HK$8.60M · min. income ≈ HK$83,352/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$325,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,629
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$44,799
−HK$1,187/mo
Today · 4.125%
HK$45,986
baseline
▲ 0.50% · 4.625%
HK$48,410
+HK$2,424/mo
Deposit HK$955K · loan HK$8.60M · min. income ≈ HK$91,972/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$325,473 · 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).