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$21,992
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$22,676
−HK$695/mo
Today · 4.125%
HK$23,371
baseline
▲ 0.50% · 4.625%
HK$24,793
+HK$1,422/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$46,742/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$334,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,466
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$25,122
−HK$665/mo
Today · 4.125%
HK$25,787
baseline
▲ 0.50% · 4.625%
HK$27,147
+HK$1,360/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$51,574/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$334,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,390
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$27,211
−HK$834/mo
Today · 4.125%
HK$28,045
baseline
▲ 0.50% · 4.625%
HK$29,751
+HK$1,706/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$56,090/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$334,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,359
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$30,146
−HK$799/mo
Today · 4.125%
HK$30,945
baseline
▲ 0.50% · 4.625%
HK$32,576
+HK$1,631/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$61,890/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$334,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,788
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$31,746
−HK$973/mo
Today · 4.125%
HK$32,719
baseline
▲ 0.50% · 4.625%
HK$34,710
+HK$1,991/mo
Deposit HK$2.89M · loan HK$6.75M · min. income ≈ HK$65,438/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$334,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,252
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$35,170
−HK$932/mo
Today · 4.125%
HK$36,102
baseline
▲ 0.50% · 4.625%
HK$38,005
+HK$1,903/mo
Deposit HK$2.89M · loan HK$6.75M · min. income ≈ HK$72,204/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$334,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,585
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$40,817
−HK$1,251/mo
Today · 4.125%
HK$42,068
baseline
▲ 0.50% · 4.625%
HK$44,627
+HK$2,559/mo
Deposit HK$964K · loan HK$8.68M · min. income ≈ HK$84,136/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$334,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,038
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$45,219
−HK$1,198/mo
Today · 4.125%
HK$46,417
baseline
▲ 0.50% · 4.625%
HK$48,864
+HK$2,447/mo
Deposit HK$964K · loan HK$8.68M · min. income ≈ HK$92,834/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$334,443 · 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).