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$21,971
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$22,654
−HK$695/mo
Today · 4.125%
HK$23,349
baseline
▲ 0.50% · 4.625%
HK$24,769
+HK$1,420/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$46,698/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$333,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,442
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$25,098
−HK$665/mo
Today · 4.125%
HK$25,763
baseline
▲ 0.50% · 4.625%
HK$27,121
+HK$1,358/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$51,526/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$333,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,365
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$27,185
−HK$833/mo
Today · 4.125%
HK$28,018
baseline
▲ 0.50% · 4.625%
HK$29,723
+HK$1,705/mo
Deposit HK$3.85M · loan HK$5.78M · min. income ≈ HK$56,036/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$333,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,331
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$30,117
−HK$798/mo
Today · 4.125%
HK$30,915
baseline
▲ 0.50% · 4.625%
HK$32,545
+HK$1,630/mo
Deposit HK$3.85M · loan HK$5.78M · min. income ≈ HK$61,830/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$333,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,759
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$31,716
−HK$972/mo
Today · 4.125%
HK$32,688
baseline
▲ 0.50% · 4.625%
HK$34,677
+HK$1,989/mo
Deposit HK$2.89M · loan HK$6.74M · min. income ≈ HK$65,376/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$333,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,219
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$35,137
−HK$931/mo
Today · 4.125%
HK$36,068
baseline
▲ 0.50% · 4.625%
HK$37,969
+HK$1,901/mo
Deposit HK$2.89M · loan HK$6.74M · min. income ≈ HK$72,136/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$333,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,547
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$40,778
−HK$1,249/mo
Today · 4.125%
HK$42,027
baseline
▲ 0.50% · 4.625%
HK$44,585
+HK$2,558/mo
Deposit HK$964K · loan HK$8.67M · min. income ≈ HK$84,054/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$333,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,996
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$45,176
−HK$1,197/mo
Today · 4.125%
HK$46,373
baseline
▲ 0.50% · 4.625%
HK$48,817
+HK$2,444/mo
Deposit HK$964K · loan HK$8.67M · min. income ≈ HK$92,746/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$333,522 · 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).