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$21,947
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$22,630
−HK$694/mo
Today · 4.125%
HK$23,324
baseline
▲ 0.50% · 4.625%
HK$24,743
+HK$1,419/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$46,648/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$332,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,416
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$25,071
−HK$664/mo
Today · 4.125%
HK$25,735
baseline
▲ 0.50% · 4.625%
HK$27,092
+HK$1,357/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$51,470/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$332,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,337
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$27,156
−HK$832/mo
Today · 4.125%
HK$27,988
baseline
▲ 0.50% · 4.625%
HK$29,691
+HK$1,703/mo
Deposit HK$3.85M · loan HK$5.77M · min. income ≈ HK$55,976/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$332,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,299
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$30,085
−HK$797/mo
Today · 4.125%
HK$30,882
baseline
▲ 0.50% · 4.625%
HK$32,510
+HK$1,628/mo
Deposit HK$3.85M · loan HK$5.77M · min. income ≈ HK$61,764/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$332,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,726
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$31,682
−HK$971/mo
Today · 4.125%
HK$32,653
baseline
▲ 0.50% · 4.625%
HK$34,640
+HK$1,987/mo
Deposit HK$2.89M · loan HK$6.74M · min. income ≈ HK$65,306/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$332,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,183
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$35,099
−HK$930/mo
Today · 4.125%
HK$36,029
baseline
▲ 0.50% · 4.625%
HK$37,929
+HK$1,900/mo
Deposit HK$2.89M · loan HK$6.74M · min. income ≈ HK$72,058/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$332,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,505
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$40,734
−HK$1,249/mo
Today · 4.125%
HK$41,983
baseline
▲ 0.50% · 4.625%
HK$44,537
+HK$2,554/mo
Deposit HK$962K · loan HK$8.66M · min. income ≈ HK$83,966/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$332,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,949
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$45,128
−HK$1,196/mo
Today · 4.125%
HK$46,324
baseline
▲ 0.50% · 4.625%
HK$48,765
+HK$2,441/mo
Deposit HK$962K · loan HK$8.66M · min. income ≈ HK$92,648/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$332,494 · 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).