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$21,966
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$22,649
−HK$694/mo
Today · 4.125%
HK$23,343
baseline
▲ 0.50% · 4.625%
HK$24,764
+HK$1,421/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$46,686/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$333,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,437
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$25,092
−HK$665/mo
Today · 4.125%
HK$25,757
baseline
▲ 0.50% · 4.625%
HK$27,115
+HK$1,358/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$51,514/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$333,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,359
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$27,179
−HK$833/mo
Today · 4.125%
HK$28,012
baseline
▲ 0.50% · 4.625%
HK$29,716
+HK$1,704/mo
Deposit HK$3.85M · loan HK$5.78M · min. income ≈ HK$56,024/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$333,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,324
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$30,110
−HK$798/mo
Today · 4.125%
HK$30,908
baseline
▲ 0.50% · 4.625%
HK$32,537
+HK$1,629/mo
Deposit HK$3.85M · loan HK$5.78M · min. income ≈ HK$61,816/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$333,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,752
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$31,709
−HK$971/mo
Today · 4.125%
HK$32,680
baseline
▲ 0.50% · 4.625%
HK$34,669
+HK$1,989/mo
Deposit HK$2.89M · loan HK$6.74M · min. income ≈ HK$65,360/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$333,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,211
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$35,129
−HK$931/mo
Today · 4.125%
HK$36,060
baseline
▲ 0.50% · 4.625%
HK$37,960
+HK$1,900/mo
Deposit HK$2.89M · loan HK$6.74M · min. income ≈ HK$72,120/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$333,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,538
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$40,768
−HK$1,250/mo
Today · 4.125%
HK$42,018
baseline
▲ 0.50% · 4.625%
HK$44,574
+HK$2,556/mo
Deposit HK$963K · loan HK$8.67M · min. income ≈ HK$84,036/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$333,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,986
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$45,166
−HK$1,196/mo
Today · 4.125%
HK$46,362
baseline
▲ 0.50% · 4.625%
HK$48,806
+HK$2,444/mo
Deposit HK$963K · loan HK$8.67M · min. income ≈ HK$92,724/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$333,301 · 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).