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$21,942
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$22,625
−HK$693/mo
Today · 4.125%
HK$23,318
baseline
▲ 0.50% · 4.625%
HK$24,737
+HK$1,419/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$46,636/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$332,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,410
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$25,065
−HK$664/mo
Today · 4.125%
HK$25,729
baseline
▲ 0.50% · 4.625%
HK$27,085
+HK$1,356/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$51,458/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$332,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,331
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$27,150
−HK$832/mo
Today · 4.125%
HK$27,982
baseline
▲ 0.50% · 4.625%
HK$29,684
+HK$1,702/mo
Deposit HK$3.85M · loan HK$5.77M · min. income ≈ HK$55,964/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$332,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,293
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$30,078
−HK$797/mo
Today · 4.125%
HK$30,875
baseline
▲ 0.50% · 4.625%
HK$32,503
+HK$1,628/mo
Deposit HK$3.85M · loan HK$5.77M · min. income ≈ HK$61,750/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$332,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,719
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$31,675
−HK$970/mo
Today · 4.125%
HK$32,645
baseline
▲ 0.50% · 4.625%
HK$34,632
+HK$1,987/mo
Deposit HK$2.89M · loan HK$6.74M · min. income ≈ HK$65,290/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$332,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,175
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$35,091
−HK$930/mo
Today · 4.125%
HK$36,021
baseline
▲ 0.50% · 4.625%
HK$37,920
+HK$1,899/mo
Deposit HK$2.89M · loan HK$6.74M · min. income ≈ HK$72,042/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$332,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,496
−HK$2,477/mo
▼ 0.25% · 3.875%
HK$40,724
−HK$1,249/mo
Today · 4.125%
HK$41,973
baseline
▲ 0.50% · 4.625%
HK$44,527
+HK$2,554/mo
Deposit HK$962K · loan HK$8.66M · min. income ≈ HK$83,946/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$332,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,939
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$45,117
−HK$1,196/mo
Today · 4.125%
HK$46,313
baseline
▲ 0.50% · 4.625%
HK$48,754
+HK$2,441/mo
Deposit HK$962K · loan HK$8.66M · min. income ≈ HK$92,626/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$332,267 · 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).