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$21,978
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$22,662
−HK$695/mo
Today · 4.125%
HK$23,357
baseline
▲ 0.50% · 4.625%
HK$24,778
+HK$1,421/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$46,714/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$333,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,451
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$25,107
−HK$665/mo
Today · 4.125%
HK$25,772
baseline
▲ 0.50% · 4.625%
HK$27,130
+HK$1,358/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$51,544/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$333,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,374
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$27,195
−HK$833/mo
Today · 4.125%
HK$28,028
baseline
▲ 0.50% · 4.625%
HK$29,734
+HK$1,706/mo
Deposit HK$3.86M · loan HK$5.78M · min. income ≈ HK$56,056/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$333,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,341
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$30,128
−HK$798/mo
Today · 4.125%
HK$30,926
baseline
▲ 0.50% · 4.625%
HK$32,556
+HK$1,630/mo
Deposit HK$3.86M · loan HK$5.78M · min. income ≈ HK$61,852/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$333,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,770
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$31,727
−HK$972/mo
Today · 4.125%
HK$32,699
baseline
▲ 0.50% · 4.625%
HK$34,689
+HK$1,990/mo
Deposit HK$2.89M · loan HK$6.75M · min. income ≈ HK$65,398/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$333,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,231
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$35,149
−HK$932/mo
Today · 4.125%
HK$36,081
baseline
▲ 0.50% · 4.625%
HK$37,982
+HK$1,901/mo
Deposit HK$2.89M · loan HK$6.75M · min. income ≈ HK$72,162/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$333,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,561
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$40,792
−HK$1,250/mo
Today · 4.125%
HK$42,042
baseline
▲ 0.50% · 4.625%
HK$44,600
+HK$2,558/mo
Deposit HK$964K · loan HK$8.67M · min. income ≈ HK$84,084/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$333,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,012
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$45,192
−HK$1,197/mo
Today · 4.125%
HK$46,389
baseline
▲ 0.50% · 4.625%
HK$48,835
+HK$2,446/mo
Deposit HK$964K · loan HK$8.67M · min. income ≈ HK$92,778/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$333,861 · 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).