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$21,916
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$22,598
−HK$692/mo
Today · 4.125%
HK$23,290
baseline
▲ 0.50% · 4.625%
HK$24,708
+HK$1,418/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$46,580/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$331,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,381
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$25,035
−HK$664/mo
Today · 4.125%
HK$25,699
baseline
▲ 0.50% · 4.625%
HK$27,053
+HK$1,354/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$51,398/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$331,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,299
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$27,117
−HK$832/mo
Today · 4.125%
HK$27,949
baseline
▲ 0.50% · 4.625%
HK$29,649
+HK$1,700/mo
Deposit HK$3.84M · loan HK$5.77M · min. income ≈ HK$55,898/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$331,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,258
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$30,042
−HK$796/mo
Today · 4.125%
HK$30,838
baseline
▲ 0.50% · 4.625%
HK$32,464
+HK$1,626/mo
Deposit HK$3.84M · loan HK$5.77M · min. income ≈ HK$61,676/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$331,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,683
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$31,637
−HK$970/mo
Today · 4.125%
HK$32,607
baseline
▲ 0.50% · 4.625%
HK$34,591
+HK$1,984/mo
Deposit HK$2.88M · loan HK$6.73M · min. income ≈ HK$65,214/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$331,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,134
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$35,049
−HK$929/mo
Today · 4.125%
HK$35,978
baseline
▲ 0.50% · 4.625%
HK$37,875
+HK$1,897/mo
Deposit HK$2.88M · loan HK$6.73M · min. income ≈ HK$71,956/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$331,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,449
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$40,676
−HK$1,247/mo
Today · 4.125%
HK$41,923
baseline
▲ 0.50% · 4.625%
HK$44,474
+HK$2,551/mo
Deposit HK$961K · loan HK$8.65M · min. income ≈ HK$83,846/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$331,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,887
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$45,064
−HK$1,194/mo
Today · 4.125%
HK$46,258
baseline
▲ 0.50% · 4.625%
HK$48,696
+HK$2,438/mo
Deposit HK$961K · loan HK$8.65M · min. income ≈ HK$92,516/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$331,125 · 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).