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$21,922
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$22,604
−HK$693/mo
Today · 4.125%
HK$23,297
baseline
▲ 0.50% · 4.625%
HK$24,714
+HK$1,417/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$46,594/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$331,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,388
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$25,042
−HK$664/mo
Today · 4.125%
HK$25,706
baseline
▲ 0.50% · 4.625%
HK$27,060
+HK$1,354/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$51,412/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$331,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,306
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$27,125
−HK$831/mo
Today · 4.125%
HK$27,956
baseline
▲ 0.50% · 4.625%
HK$29,657
+HK$1,701/mo
Deposit HK$3.85M · loan HK$5.77M · min. income ≈ HK$55,912/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$331,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,265
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$30,050
−HK$797/mo
Today · 4.125%
HK$30,847
baseline
▲ 0.50% · 4.625%
HK$32,473
+HK$1,626/mo
Deposit HK$3.85M · loan HK$5.77M · min. income ≈ HK$61,694/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$331,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,691
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$31,645
−HK$970/mo
Today · 4.125%
HK$32,615
baseline
▲ 0.50% · 4.625%
HK$34,600
+HK$1,985/mo
Deposit HK$2.88M · loan HK$6.73M · min. income ≈ HK$65,230/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$331,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,143
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$35,059
−HK$929/mo
Today · 4.125%
HK$35,988
baseline
▲ 0.50% · 4.625%
HK$37,885
+HK$1,897/mo
Deposit HK$2.88M · loan HK$6.73M · min. income ≈ HK$71,976/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$331,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,459
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$40,687
−HK$1,247/mo
Today · 4.125%
HK$41,934
baseline
▲ 0.50% · 4.625%
HK$44,485
+HK$2,551/mo
Deposit HK$961K · loan HK$8.65M · min. income ≈ HK$83,868/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$331,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,898
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$45,076
−HK$1,194/mo
Today · 4.125%
HK$46,270
baseline
▲ 0.50% · 4.625%
HK$48,709
+HK$2,439/mo
Deposit HK$961K · loan HK$8.65M · min. income ≈ HK$92,540/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$331,380 · 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).