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$21,995
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$22,679
−HK$695/mo
Today · 4.125%
HK$23,374
baseline
▲ 0.50% · 4.625%
HK$24,796
+HK$1,422/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$46,748/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$334,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,469
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$25,125
−HK$666/mo
Today · 4.125%
HK$25,791
baseline
▲ 0.50% · 4.625%
HK$27,150
+HK$1,359/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$51,582/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$334,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,393
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$27,214
−HK$835/mo
Today · 4.125%
HK$28,049
baseline
▲ 0.50% · 4.625%
HK$29,755
+HK$1,706/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$56,098/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$334,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,362
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$30,150
−HK$799/mo
Today · 4.125%
HK$30,949
baseline
▲ 0.50% · 4.625%
HK$32,580
+HK$1,631/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$61,898/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$334,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,792
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$31,750
−HK$973/mo
Today · 4.125%
HK$32,723
baseline
▲ 0.50% · 4.625%
HK$34,714
+HK$1,991/mo
Deposit HK$2.89M · loan HK$6.75M · min. income ≈ HK$65,446/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$334,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,256
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$35,175
−HK$932/mo
Today · 4.125%
HK$36,107
baseline
▲ 0.50% · 4.625%
HK$38,010
+HK$1,903/mo
Deposit HK$2.89M · loan HK$6.75M · min. income ≈ HK$72,214/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$334,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,590
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$40,822
−HK$1,251/mo
Today · 4.125%
HK$42,073
baseline
▲ 0.50% · 4.625%
HK$44,633
+HK$2,560/mo
Deposit HK$965K · loan HK$8.68M · min. income ≈ HK$84,146/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$334,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,044
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$45,225
−HK$1,198/mo
Today · 4.125%
HK$46,423
baseline
▲ 0.50% · 4.625%
HK$48,870
+HK$2,447/mo
Deposit HK$965K · loan HK$8.68M · min. income ≈ HK$92,846/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$334,564 · 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).