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$21,919
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$22,601
−HK$693/mo
Today · 4.125%
HK$23,294
baseline
▲ 0.50% · 4.625%
HK$24,711
+HK$1,417/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$46,588/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$331,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,385
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$25,039
−HK$663/mo
Today · 4.125%
HK$25,702
baseline
▲ 0.50% · 4.625%
HK$27,057
+HK$1,355/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$51,404/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$331,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,303
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$27,121
−HK$831/mo
Today · 4.125%
HK$27,952
baseline
▲ 0.50% · 4.625%
HK$29,653
+HK$1,701/mo
Deposit HK$3.85M · loan HK$5.77M · min. income ≈ HK$55,904/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$331,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,262
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$30,047
−HK$796/mo
Today · 4.125%
HK$30,843
baseline
▲ 0.50% · 4.625%
HK$32,468
+HK$1,625/mo
Deposit HK$3.85M · loan HK$5.77M · min. income ≈ HK$61,686/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$331,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,687
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$31,641
−HK$970/mo
Today · 4.125%
HK$32,611
baseline
▲ 0.50% · 4.625%
HK$34,595
+HK$1,984/mo
Deposit HK$2.88M · loan HK$6.73M · min. income ≈ HK$65,222/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$331,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,139
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$35,054
−HK$929/mo
Today · 4.125%
HK$35,983
baseline
▲ 0.50% · 4.625%
HK$37,880
+HK$1,897/mo
Deposit HK$2.88M · loan HK$6.73M · min. income ≈ HK$71,966/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$331,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,454
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$40,682
−HK$1,247/mo
Today · 4.125%
HK$41,929
baseline
▲ 0.50% · 4.625%
HK$44,480
+HK$2,551/mo
Deposit HK$961K · loan HK$8.65M · min. income ≈ HK$83,858/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$331,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,893
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$45,070
−HK$1,194/mo
Today · 4.125%
HK$46,264
baseline
▲ 0.50% · 4.625%
HK$48,703
+HK$2,439/mo
Deposit HK$961K · loan HK$8.65M · min. income ≈ HK$92,528/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$331,258 · 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).