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$21,967
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$22,650
−HK$694/mo
Today · 4.125%
HK$23,344
baseline
▲ 0.50% · 4.625%
HK$24,765
+HK$1,421/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$46,688/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$333,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,438
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$25,093
−HK$665/mo
Today · 4.125%
HK$25,758
baseline
▲ 0.50% · 4.625%
HK$27,116
+HK$1,358/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$51,516/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$333,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,360
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$27,180
−HK$833/mo
Today · 4.125%
HK$28,013
baseline
▲ 0.50% · 4.625%
HK$29,718
+HK$1,705/mo
Deposit HK$3.85M · loan HK$5.78M · min. income ≈ HK$56,026/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$333,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,325
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$30,112
−HK$798/mo
Today · 4.125%
HK$30,910
baseline
▲ 0.50% · 4.625%
HK$32,539
+HK$1,629/mo
Deposit HK$3.85M · loan HK$5.78M · min. income ≈ HK$61,820/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$333,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,753
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$31,710
−HK$972/mo
Today · 4.125%
HK$32,682
baseline
▲ 0.50% · 4.625%
HK$34,670
+HK$1,988/mo
Deposit HK$2.89M · loan HK$6.74M · min. income ≈ HK$65,364/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$333,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,213
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$35,130
−HK$931/mo
Today · 4.125%
HK$36,061
baseline
▲ 0.50% · 4.625%
HK$37,962
+HK$1,901/mo
Deposit HK$2.89M · loan HK$6.74M · min. income ≈ HK$72,122/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$333,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,540
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$40,770
−HK$1,250/mo
Today · 4.125%
HK$42,020
baseline
▲ 0.50% · 4.625%
HK$44,576
+HK$2,556/mo
Deposit HK$963K · loan HK$8.67M · min. income ≈ HK$84,040/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$333,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,988
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$45,168
−HK$1,196/mo
Today · 4.125%
HK$46,364
baseline
▲ 0.50% · 4.625%
HK$48,808
+HK$2,444/mo
Deposit HK$963K · loan HK$8.67M · min. income ≈ HK$92,728/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$333,343 · 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).