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$21,809
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$22,488
−HK$689/mo
Today · 4.125%
HK$23,177
baseline
▲ 0.50% · 4.625%
HK$24,587
+HK$1,410/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$46,354/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$326,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,262
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$24,913
−HK$660/mo
Today · 4.125%
HK$25,573
baseline
▲ 0.50% · 4.625%
HK$26,921
+HK$1,348/mo
Deposit HK$4.78M · loan HK$4.78M · min. income ≈ HK$51,146/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$326,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,171
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$26,985
−HK$827/mo
Today · 4.125%
HK$27,812
baseline
▲ 0.50% · 4.625%
HK$29,504
+HK$1,692/mo
Deposit HK$3.83M · loan HK$5.74M · min. income ≈ HK$55,624/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$326,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,115
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$29,896
−HK$792/mo
Today · 4.125%
HK$30,688
baseline
▲ 0.50% · 4.625%
HK$32,306
+HK$1,618/mo
Deposit HK$3.83M · loan HK$5.74M · min. income ≈ HK$61,376/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$326,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,533
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$31,483
−HK$965/mo
Today · 4.125%
HK$32,448
baseline
▲ 0.50% · 4.625%
HK$34,422
+HK$1,974/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$64,896/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$326,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,967
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$34,878
−HK$925/mo
Today · 4.125%
HK$35,803
baseline
▲ 0.50% · 4.625%
HK$37,690
+HK$1,887/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$71,606/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$326,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,256
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$40,478
−HK$1,240/mo
Today · 4.125%
HK$41,718
baseline
▲ 0.50% · 4.625%
HK$44,257
+HK$2,539/mo
Deposit HK$956K · loan HK$8.61M · min. income ≈ HK$83,436/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$326,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,672
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$44,844
−HK$1,188/mo
Today · 4.125%
HK$46,032
baseline
▲ 0.50% · 4.625%
HK$48,458
+HK$2,426/mo
Deposit HK$956K · loan HK$8.61M · min. income ≈ HK$92,064/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$326,435 · 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).