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$21,945
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$22,628
−HK$693/mo
Today · 4.125%
HK$23,321
baseline
▲ 0.50% · 4.625%
HK$24,740
+HK$1,419/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$46,642/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$332,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,414
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$25,068
−HK$664/mo
Today · 4.125%
HK$25,732
baseline
▲ 0.50% · 4.625%
HK$27,089
+HK$1,357/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$51,464/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$332,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,334
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$27,153
−HK$832/mo
Today · 4.125%
HK$27,985
baseline
▲ 0.50% · 4.625%
HK$29,688
+HK$1,703/mo
Deposit HK$3.85M · loan HK$5.77M · min. income ≈ HK$55,970/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$332,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,296
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$30,082
−HK$797/mo
Today · 4.125%
HK$30,879
baseline
▲ 0.50% · 4.625%
HK$32,507
+HK$1,628/mo
Deposit HK$3.85M · loan HK$5.77M · min. income ≈ HK$61,758/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$332,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,723
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$31,679
−HK$970/mo
Today · 4.125%
HK$32,649
baseline
▲ 0.50% · 4.625%
HK$34,636
+HK$1,987/mo
Deposit HK$2.89M · loan HK$6.74M · min. income ≈ HK$65,298/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$332,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,179
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$35,096
−HK$929/mo
Today · 4.125%
HK$36,025
baseline
▲ 0.50% · 4.625%
HK$37,924
+HK$1,899/mo
Deposit HK$2.89M · loan HK$6.74M · min. income ≈ HK$72,050/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$332,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,501
−HK$2,477/mo
▼ 0.25% · 3.875%
HK$40,730
−HK$1,248/mo
Today · 4.125%
HK$41,978
baseline
▲ 0.50% · 4.625%
HK$44,532
+HK$2,554/mo
Deposit HK$962K · loan HK$8.66M · min. income ≈ HK$83,956/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$332,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,944
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$45,123
−HK$1,195/mo
Today · 4.125%
HK$46,318
baseline
▲ 0.50% · 4.625%
HK$48,760
+HK$2,442/mo
Deposit HK$962K · loan HK$8.66M · min. income ≈ HK$92,636/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$332,389 · 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).