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$21,949
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$22,632
−HK$694/mo
Today · 4.125%
HK$23,326
baseline
▲ 0.50% · 4.625%
HK$24,745
+HK$1,419/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$46,652/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$332,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,418
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$25,073
−HK$665/mo
Today · 4.125%
HK$25,738
baseline
▲ 0.50% · 4.625%
HK$27,094
+HK$1,356/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$51,476/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$332,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,339
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$27,159
−HK$832/mo
Today · 4.125%
HK$27,991
baseline
▲ 0.50% · 4.625%
HK$29,694
+HK$1,703/mo
Deposit HK$3.85M · loan HK$5.78M · min. income ≈ HK$55,982/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$332,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,302
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$30,088
−HK$797/mo
Today · 4.125%
HK$30,885
baseline
▲ 0.50% · 4.625%
HK$32,513
+HK$1,628/mo
Deposit HK$3.85M · loan HK$5.78M · min. income ≈ HK$61,770/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$332,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,729
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$31,685
−HK$971/mo
Today · 4.125%
HK$32,656
baseline
▲ 0.50% · 4.625%
HK$34,643
+HK$1,987/mo
Deposit HK$2.89M · loan HK$6.74M · min. income ≈ HK$65,312/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$332,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,186
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$35,103
−HK$930/mo
Today · 4.125%
HK$36,033
baseline
▲ 0.50% · 4.625%
HK$37,932
+HK$1,899/mo
Deposit HK$2.89M · loan HK$6.74M · min. income ≈ HK$72,066/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$332,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,509
−HK$2,477/mo
▼ 0.25% · 3.875%
HK$40,738
−HK$1,248/mo
Today · 4.125%
HK$41,986
baseline
▲ 0.50% · 4.625%
HK$44,541
+HK$2,555/mo
Deposit HK$963K · loan HK$8.66M · min. income ≈ HK$83,972/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$332,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,953
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$45,132
−HK$1,196/mo
Today · 4.125%
HK$46,328
baseline
▲ 0.50% · 4.625%
HK$48,770
+HK$2,442/mo
Deposit HK$963K · loan HK$8.66M · min. income ≈ HK$92,656/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$332,584 · 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).