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$21,980
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$22,664
−HK$694/mo
Today · 4.125%
HK$23,358
baseline
▲ 0.50% · 4.625%
HK$24,779
+HK$1,421/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$46,716/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$333,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,452
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$25,108
−HK$665/mo
Today · 4.125%
HK$25,773
baseline
▲ 0.50% · 4.625%
HK$27,132
+HK$1,359/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$51,546/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$333,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,376
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$27,196
−HK$834/mo
Today · 4.125%
HK$28,030
baseline
▲ 0.50% · 4.625%
HK$29,735
+HK$1,705/mo
Deposit HK$3.86M · loan HK$5.78M · min. income ≈ HK$56,060/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$333,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,343
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$30,130
−HK$798/mo
Today · 4.125%
HK$30,928
baseline
▲ 0.50% · 4.625%
HK$32,558
+HK$1,630/mo
Deposit HK$3.86M · loan HK$5.78M · min. income ≈ HK$61,856/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$333,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,772
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$31,729
−HK$972/mo
Today · 4.125%
HK$32,701
baseline
▲ 0.50% · 4.625%
HK$34,691
+HK$1,990/mo
Deposit HK$2.89M · loan HK$6.75M · min. income ≈ HK$65,402/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$333,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,233
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$35,151
−HK$932/mo
Today · 4.125%
HK$36,083
baseline
▲ 0.50% · 4.625%
HK$37,985
+HK$1,902/mo
Deposit HK$2.89M · loan HK$6.75M · min. income ≈ HK$72,166/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$333,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,564
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$40,794
−HK$1,251/mo
Today · 4.125%
HK$42,045
baseline
▲ 0.50% · 4.625%
HK$44,603
+HK$2,558/mo
Deposit HK$964K · loan HK$8.68M · min. income ≈ HK$84,090/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$333,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,014
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$45,195
−HK$1,197/mo
Today · 4.125%
HK$46,392
baseline
▲ 0.50% · 4.625%
HK$48,838
+HK$2,446/mo
Deposit HK$964K · loan HK$8.68M · min. income ≈ HK$92,784/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$333,921 · 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).