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$21,961
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$22,644
−HK$694/mo
Today · 4.125%
HK$23,338
baseline
▲ 0.50% · 4.625%
HK$24,758
+HK$1,420/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$46,676/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$333,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,431
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$25,087
−HK$664/mo
Today · 4.125%
HK$25,751
baseline
▲ 0.50% · 4.625%
HK$27,109
+HK$1,358/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$51,502/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$333,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,353
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$27,173
−HK$833/mo
Today · 4.125%
HK$28,006
baseline
▲ 0.50% · 4.625%
HK$29,710
+HK$1,704/mo
Deposit HK$3.85M · loan HK$5.78M · min. income ≈ HK$56,012/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$333,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,318
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$30,104
−HK$798/mo
Today · 4.125%
HK$30,902
baseline
▲ 0.50% · 4.625%
HK$32,531
+HK$1,629/mo
Deposit HK$3.85M · loan HK$5.78M · min. income ≈ HK$61,804/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$333,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,745
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$31,702
−HK$971/mo
Today · 4.125%
HK$32,673
baseline
▲ 0.50% · 4.625%
HK$34,662
+HK$1,989/mo
Deposit HK$2.89M · loan HK$6.74M · min. income ≈ HK$65,346/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$333,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,204
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$35,121
−HK$931/mo
Today · 4.125%
HK$36,052
baseline
▲ 0.50% · 4.625%
HK$37,952
+HK$1,900/mo
Deposit HK$2.89M · loan HK$6.74M · min. income ≈ HK$72,104/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$333,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,530
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$40,759
−HK$1,250/mo
Today · 4.125%
HK$42,009
baseline
▲ 0.50% · 4.625%
HK$44,565
+HK$2,556/mo
Deposit HK$963K · loan HK$8.67M · min. income ≈ HK$84,018/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$333,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,977
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$45,156
−HK$1,196/mo
Today · 4.125%
HK$46,352
baseline
▲ 0.50% · 4.625%
HK$48,796
+HK$2,444/mo
Deposit HK$963K · loan HK$8.67M · min. income ≈ HK$92,704/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$333,095 · 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).