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$21,934
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$22,616
−HK$693/mo
Today · 4.125%
HK$23,309
baseline
▲ 0.50% · 4.625%
HK$24,728
+HK$1,419/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$46,618/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$331,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,401
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$25,056
−HK$663/mo
Today · 4.125%
HK$25,719
baseline
▲ 0.50% · 4.625%
HK$27,075
+HK$1,356/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$51,438/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$331,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,321
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$27,139
−HK$832/mo
Today · 4.125%
HK$27,971
baseline
▲ 0.50% · 4.625%
HK$29,673
+HK$1,702/mo
Deposit HK$3.85M · loan HK$5.77M · min. income ≈ HK$55,942/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$331,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,281
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$30,067
−HK$796/mo
Today · 4.125%
HK$30,863
baseline
▲ 0.50% · 4.625%
HK$32,490
+HK$1,627/mo
Deposit HK$3.85M · loan HK$5.77M · min. income ≈ HK$61,726/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$331,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,707
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$31,663
−HK$970/mo
Today · 4.125%
HK$32,633
baseline
▲ 0.50% · 4.625%
HK$34,619
+HK$1,986/mo
Deposit HK$2.89M · loan HK$6.73M · min. income ≈ HK$65,266/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$331,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,162
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$35,078
−HK$929/mo
Today · 4.125%
HK$36,007
baseline
▲ 0.50% · 4.625%
HK$37,905
+HK$1,898/mo
Deposit HK$2.89M · loan HK$6.73M · min. income ≈ HK$72,014/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$331,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,481
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$40,709
−HK$1,248/mo
Today · 4.125%
HK$41,957
baseline
▲ 0.50% · 4.625%
HK$44,510
+HK$2,553/mo
Deposit HK$962K · loan HK$8.66M · min. income ≈ HK$83,914/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$331,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,922
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$45,100
−HK$1,195/mo
Today · 4.125%
HK$46,295
baseline
▲ 0.50% · 4.625%
HK$48,735
+HK$2,440/mo
Deposit HK$962K · loan HK$8.66M · min. income ≈ HK$92,590/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$331,901 · 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).