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$21,838
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$22,518
−HK$690/mo
Today · 4.125%
HK$23,208
baseline
▲ 0.50% · 4.625%
HK$24,620
+HK$1,412/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$46,416/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$327,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,295
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$24,947
−HK$661/mo
Today · 4.125%
HK$25,608
baseline
▲ 0.50% · 4.625%
HK$26,957
+HK$1,349/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$51,216/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$327,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,206
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$27,021
−HK$828/mo
Today · 4.125%
HK$27,849
baseline
▲ 0.50% · 4.625%
HK$29,544
+HK$1,695/mo
Deposit HK$3.83M · loan HK$5.75M · min. income ≈ HK$55,698/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$327,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,154
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$29,936
−HK$793/mo
Today · 4.125%
HK$30,729
baseline
▲ 0.50% · 4.625%
HK$32,349
+HK$1,620/mo
Deposit HK$3.83M · loan HK$5.75M · min. income ≈ HK$61,458/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$327,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,574
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$31,525
−HK$966/mo
Today · 4.125%
HK$32,491
baseline
▲ 0.50% · 4.625%
HK$34,468
+HK$1,977/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$64,982/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$327,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,013
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$34,925
−HK$926/mo
Today · 4.125%
HK$35,851
baseline
▲ 0.50% · 4.625%
HK$37,740
+HK$1,889/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$71,702/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$327,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,309
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$40,532
−HK$1,242/mo
Today · 4.125%
HK$41,774
baseline
▲ 0.50% · 4.625%
HK$44,316
+HK$2,542/mo
Deposit HK$958K · loan HK$8.62M · min. income ≈ HK$83,548/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$327,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,731
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$44,904
−HK$1,190/mo
Today · 4.125%
HK$46,094
baseline
▲ 0.50% · 4.625%
HK$48,523
+HK$2,429/mo
Deposit HK$958K · loan HK$8.62M · min. income ≈ HK$92,188/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$327,720 · 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).