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$21,951
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$22,634
−HK$694/mo
Today · 4.125%
HK$23,328
baseline
▲ 0.50% · 4.625%
HK$24,747
+HK$1,419/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$46,656/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$332,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,420
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$25,075
−HK$665/mo
Today · 4.125%
HK$25,740
baseline
▲ 0.50% · 4.625%
HK$27,096
+HK$1,356/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$51,480/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$332,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,341
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$27,161
−HK$832/mo
Today · 4.125%
HK$27,993
baseline
▲ 0.50% · 4.625%
HK$29,696
+HK$1,703/mo
Deposit HK$3.85M · loan HK$5.78M · min. income ≈ HK$55,986/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$332,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,304
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$30,090
−HK$798/mo
Today · 4.125%
HK$30,888
baseline
▲ 0.50% · 4.625%
HK$32,516
+HK$1,628/mo
Deposit HK$3.85M · loan HK$5.78M · min. income ≈ HK$61,776/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$332,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,731
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$31,687
−HK$972/mo
Today · 4.125%
HK$32,659
baseline
▲ 0.50% · 4.625%
HK$34,646
+HK$1,987/mo
Deposit HK$2.89M · loan HK$6.74M · min. income ≈ HK$65,318/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$332,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,188
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$35,105
−HK$931/mo
Today · 4.125%
HK$36,036
baseline
▲ 0.50% · 4.625%
HK$37,935
+HK$1,899/mo
Deposit HK$2.89M · loan HK$6.74M · min. income ≈ HK$72,072/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$332,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,512
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$40,741
−HK$1,249/mo
Today · 4.125%
HK$41,990
baseline
▲ 0.50% · 4.625%
HK$44,545
+HK$2,555/mo
Deposit HK$963K · loan HK$8.66M · min. income ≈ HK$83,980/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$332,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,957
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$45,135
−HK$1,196/mo
Today · 4.125%
HK$46,331
baseline
▲ 0.50% · 4.625%
HK$48,774
+HK$2,443/mo
Deposit HK$963K · loan HK$8.66M · min. income ≈ HK$92,662/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$332,658 · 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).