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$21,927
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$22,609
−HK$693/mo
Today · 4.125%
HK$23,302
baseline
▲ 0.50% · 4.625%
HK$24,720
+HK$1,418/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$46,604/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$331,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,394
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$25,048
−HK$664/mo
Today · 4.125%
HK$25,712
baseline
▲ 0.50% · 4.625%
HK$27,067
+HK$1,355/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$51,424/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$331,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,312
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$27,131
−HK$831/mo
Today · 4.125%
HK$27,962
baseline
▲ 0.50% · 4.625%
HK$29,664
+HK$1,702/mo
Deposit HK$3.85M · loan HK$5.77M · min. income ≈ HK$55,924/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$331,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,272
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$30,057
−HK$797/mo
Today · 4.125%
HK$30,854
baseline
▲ 0.50% · 4.625%
HK$32,480
+HK$1,626/mo
Deposit HK$3.85M · loan HK$5.77M · min. income ≈ HK$61,708/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$331,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,698
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$31,653
−HK$970/mo
Today · 4.125%
HK$32,623
baseline
▲ 0.50% · 4.625%
HK$34,608
+HK$1,985/mo
Deposit HK$2.88M · loan HK$6.73M · min. income ≈ HK$65,246/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$331,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,151
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$35,067
−HK$929/mo
Today · 4.125%
HK$35,996
baseline
▲ 0.50% · 4.625%
HK$37,894
+HK$1,898/mo
Deposit HK$2.88M · loan HK$6.73M · min. income ≈ HK$71,992/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$331,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,469
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$40,696
−HK$1,248/mo
Today · 4.125%
HK$41,944
baseline
▲ 0.50% · 4.625%
HK$44,496
+HK$2,552/mo
Deposit HK$962K · loan HK$8.65M · min. income ≈ HK$83,888/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$331,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,908
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$45,086
−HK$1,195/mo
Today · 4.125%
HK$46,281
baseline
▲ 0.50% · 4.625%
HK$48,720
+HK$2,439/mo
Deposit HK$962K · loan HK$8.65M · min. income ≈ HK$92,562/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$331,604 · 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).