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$21,973
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$22,656
−HK$695/mo
Today · 4.125%
HK$23,351
baseline
▲ 0.50% · 4.625%
HK$24,771
+HK$1,420/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$46,702/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$333,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,444
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$25,100
−HK$665/mo
Today · 4.125%
HK$25,765
baseline
▲ 0.50% · 4.625%
HK$27,123
+HK$1,358/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$51,530/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$333,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,367
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$27,188
−HK$833/mo
Today · 4.125%
HK$28,021
baseline
▲ 0.50% · 4.625%
HK$29,726
+HK$1,705/mo
Deposit HK$3.85M · loan HK$5.78M · min. income ≈ HK$56,042/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$333,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,333
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$30,120
−HK$798/mo
Today · 4.125%
HK$30,918
baseline
▲ 0.50% · 4.625%
HK$32,548
+HK$1,630/mo
Deposit HK$3.85M · loan HK$5.78M · min. income ≈ HK$61,836/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$333,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,762
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$31,719
−HK$972/mo
Today · 4.125%
HK$32,691
baseline
▲ 0.50% · 4.625%
HK$34,680
+HK$1,989/mo
Deposit HK$2.89M · loan HK$6.75M · min. income ≈ HK$65,382/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$333,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,222
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$35,140
−HK$931/mo
Today · 4.125%
HK$36,071
baseline
▲ 0.50% · 4.625%
HK$37,973
+HK$1,902/mo
Deposit HK$2.89M · loan HK$6.75M · min. income ≈ HK$72,142/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$333,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,551
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$40,781
−HK$1,250/mo
Today · 4.125%
HK$42,031
baseline
▲ 0.50% · 4.625%
HK$44,589
+HK$2,558/mo
Deposit HK$964K · loan HK$8.67M · min. income ≈ HK$84,062/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$333,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,000
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$45,180
−HK$1,197/mo
Today · 4.125%
HK$46,377
baseline
▲ 0.50% · 4.625%
HK$48,822
+HK$2,445/mo
Deposit HK$964K · loan HK$8.67M · min. income ≈ HK$92,754/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$333,610 · 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).