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$21,949
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$22,631
−HK$694/mo
Today · 4.125%
HK$23,325
baseline
▲ 0.50% · 4.625%
HK$24,744
+HK$1,419/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$46,650/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$332,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,418
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$25,073
−HK$664/mo
Today · 4.125%
HK$25,737
baseline
▲ 0.50% · 4.625%
HK$27,093
+HK$1,356/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$51,474/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$332,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,338
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$27,158
−HK$832/mo
Today · 4.125%
HK$27,990
baseline
▲ 0.50% · 4.625%
HK$29,693
+HK$1,703/mo
Deposit HK$3.85M · loan HK$5.78M · min. income ≈ HK$55,980/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$332,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,301
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$30,087
−HK$797/mo
Today · 4.125%
HK$30,884
baseline
▲ 0.50% · 4.625%
HK$32,512
+HK$1,628/mo
Deposit HK$3.85M · loan HK$5.78M · min. income ≈ HK$61,768/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$332,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,728
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$31,684
−HK$971/mo
Today · 4.125%
HK$32,655
baseline
▲ 0.50% · 4.625%
HK$34,642
+HK$1,987/mo
Deposit HK$2.89M · loan HK$6.74M · min. income ≈ HK$65,310/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$332,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,185
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$35,102
−HK$930/mo
Today · 4.125%
HK$36,032
baseline
▲ 0.50% · 4.625%
HK$37,931
+HK$1,899/mo
Deposit HK$2.89M · loan HK$6.74M · min. income ≈ HK$72,064/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$332,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,508
−HK$2,477/mo
▼ 0.25% · 3.875%
HK$40,736
−HK$1,249/mo
Today · 4.125%
HK$41,985
baseline
▲ 0.50% · 4.625%
HK$44,540
+HK$2,555/mo
Deposit HK$963K · loan HK$8.66M · min. income ≈ HK$83,970/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$332,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,952
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$45,131
−HK$1,195/mo
Today · 4.125%
HK$46,326
baseline
▲ 0.50% · 4.625%
HK$48,768
+HK$2,442/mo
Deposit HK$963K · loan HK$8.66M · min. income ≈ HK$92,652/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$332,552 · 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).