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$21,996
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$22,681
−HK$695/mo
Today · 4.125%
HK$23,376
baseline
▲ 0.50% · 4.625%
HK$24,798
+HK$1,422/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$46,752/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$334,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,471
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$25,127
−HK$666/mo
Today · 4.125%
HK$25,793
baseline
▲ 0.50% · 4.625%
HK$27,153
+HK$1,360/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$51,586/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$334,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,396
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$27,217
−HK$834/mo
Today · 4.125%
HK$28,051
baseline
▲ 0.50% · 4.625%
HK$29,758
+HK$1,707/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$56,102/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$334,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,365
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$30,153
−HK$799/mo
Today · 4.125%
HK$30,952
baseline
▲ 0.50% · 4.625%
HK$32,583
+HK$1,631/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$61,904/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$334,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,795
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$31,753
−HK$973/mo
Today · 4.125%
HK$32,726
baseline
▲ 0.50% · 4.625%
HK$34,717
+HK$1,991/mo
Deposit HK$2.89M · loan HK$6.75M · min. income ≈ HK$65,452/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$334,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,259
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$35,178
−HK$932/mo
Today · 4.125%
HK$36,110
baseline
▲ 0.50% · 4.625%
HK$38,014
+HK$1,904/mo
Deposit HK$2.89M · loan HK$6.75M · min. income ≈ HK$72,220/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$334,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,594
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$40,825
−HK$1,252/mo
Today · 4.125%
HK$42,077
baseline
▲ 0.50% · 4.625%
HK$44,637
+HK$2,560/mo
Deposit HK$965K · loan HK$8.68M · min. income ≈ HK$84,154/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$334,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,048
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$45,229
−HK$1,198/mo
Today · 4.125%
HK$46,427
baseline
▲ 0.50% · 4.625%
HK$48,875
+HK$2,448/mo
Deposit HK$965K · loan HK$8.68M · min. income ≈ HK$92,854/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$334,649 · 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).