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$21,953
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$22,636
−HK$694/mo
Today · 4.125%
HK$23,330
baseline
▲ 0.50% · 4.625%
HK$24,750
+HK$1,420/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$46,660/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$332,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,423
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$25,078
−HK$664/mo
Today · 4.125%
HK$25,742
baseline
▲ 0.50% · 4.625%
HK$27,099
+HK$1,357/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$51,484/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$332,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,344
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$27,163
−HK$833/mo
Today · 4.125%
HK$27,996
baseline
▲ 0.50% · 4.625%
HK$29,699
+HK$1,703/mo
Deposit HK$3.85M · loan HK$5.78M · min. income ≈ HK$55,992/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$332,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,307
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$30,093
−HK$798/mo
Today · 4.125%
HK$30,891
baseline
▲ 0.50% · 4.625%
HK$32,519
+HK$1,628/mo
Deposit HK$3.85M · loan HK$5.78M · min. income ≈ HK$61,782/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$332,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,735
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$31,691
−HK$971/mo
Today · 4.125%
HK$32,662
baseline
▲ 0.50% · 4.625%
HK$34,649
+HK$1,987/mo
Deposit HK$2.89M · loan HK$6.74M · min. income ≈ HK$65,324/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$332,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,192
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$35,109
−HK$930/mo
Today · 4.125%
HK$36,039
baseline
▲ 0.50% · 4.625%
HK$37,939
+HK$1,900/mo
Deposit HK$2.89M · loan HK$6.74M · min. income ≈ HK$72,078/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$332,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,516
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$40,745
−HK$1,249/mo
Today · 4.125%
HK$41,994
baseline
▲ 0.50% · 4.625%
HK$44,549
+HK$2,555/mo
Deposit HK$963K · loan HK$8.66M · min. income ≈ HK$83,988/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$332,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,961
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$45,140
−HK$1,196/mo
Today · 4.125%
HK$46,336
baseline
▲ 0.50% · 4.625%
HK$48,779
+HK$2,443/mo
Deposit HK$963K · loan HK$8.66M · min. income ≈ HK$92,672/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$332,757 · 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).