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$21,981
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$22,664
−HK$695/mo
Today · 4.125%
HK$23,359
baseline
▲ 0.50% · 4.625%
HK$24,780
+HK$1,421/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$46,718/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$333,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,453
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$25,109
−HK$665/mo
Today · 4.125%
HK$25,774
baseline
▲ 0.50% · 4.625%
HK$27,133
+HK$1,359/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$51,548/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$333,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,377
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$27,197
−HK$834/mo
Today · 4.125%
HK$28,031
baseline
▲ 0.50% · 4.625%
HK$29,736
+HK$1,705/mo
Deposit HK$3.86M · loan HK$5.78M · min. income ≈ HK$56,062/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$333,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,344
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$30,131
−HK$798/mo
Today · 4.125%
HK$30,929
baseline
▲ 0.50% · 4.625%
HK$32,559
+HK$1,630/mo
Deposit HK$3.86M · loan HK$5.78M · min. income ≈ HK$61,858/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$333,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,773
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$31,730
−HK$973/mo
Today · 4.125%
HK$32,703
baseline
▲ 0.50% · 4.625%
HK$34,692
+HK$1,989/mo
Deposit HK$2.89M · loan HK$6.75M · min. income ≈ HK$65,406/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$333,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,234
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$35,153
−HK$931/mo
Today · 4.125%
HK$36,084
baseline
▲ 0.50% · 4.625%
HK$37,986
+HK$1,902/mo
Deposit HK$2.89M · loan HK$6.75M · min. income ≈ HK$72,168/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$333,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,565
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$40,796
−HK$1,250/mo
Today · 4.125%
HK$42,046
baseline
▲ 0.50% · 4.625%
HK$44,605
+HK$2,559/mo
Deposit HK$964K · loan HK$8.68M · min. income ≈ HK$84,092/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$333,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,016
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$45,196
−HK$1,198/mo
Today · 4.125%
HK$46,394
baseline
▲ 0.50% · 4.625%
HK$48,839
+HK$2,445/mo
Deposit HK$964K · loan HK$8.68M · min. income ≈ HK$92,788/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$333,952 · 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).