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$21,913
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$22,595
−HK$693/mo
Today · 4.125%
HK$23,288
baseline
▲ 0.50% · 4.625%
HK$24,705
+HK$1,417/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$46,576/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$331,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,378
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$25,032
−HK$664/mo
Today · 4.125%
HK$25,696
baseline
▲ 0.50% · 4.625%
HK$27,050
+HK$1,354/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$51,392/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$331,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,296
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$27,114
−HK$831/mo
Today · 4.125%
HK$27,945
baseline
▲ 0.50% · 4.625%
HK$29,645
+HK$1,700/mo
Deposit HK$3.84M · loan HK$5.77M · min. income ≈ HK$55,890/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$331,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,254
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$30,039
−HK$796/mo
Today · 4.125%
HK$30,835
baseline
▲ 0.50% · 4.625%
HK$32,460
+HK$1,625/mo
Deposit HK$3.84M · loan HK$5.77M · min. income ≈ HK$61,670/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$331,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,679
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$31,633
−HK$970/mo
Today · 4.125%
HK$32,603
baseline
▲ 0.50% · 4.625%
HK$34,586
+HK$1,983/mo
Deposit HK$2.88M · loan HK$6.73M · min. income ≈ HK$65,206/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$331,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,130
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$35,045
−HK$929/mo
Today · 4.125%
HK$35,974
baseline
▲ 0.50% · 4.625%
HK$37,870
+HK$1,896/mo
Deposit HK$2.88M · loan HK$6.73M · min. income ≈ HK$71,948/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$331,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,444
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$40,671
−HK$1,247/mo
Today · 4.125%
HK$41,918
baseline
▲ 0.50% · 4.625%
HK$44,468
+HK$2,550/mo
Deposit HK$961K · loan HK$8.65M · min. income ≈ HK$83,836/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$331,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,881
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$45,058
−HK$1,194/mo
Today · 4.125%
HK$46,252
baseline
▲ 0.50% · 4.625%
HK$48,690
+HK$2,438/mo
Deposit HK$961K · loan HK$8.65M · min. income ≈ HK$92,504/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$331,006 · 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).