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$21,988
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$22,672
−HK$695/mo
Today · 4.125%
HK$23,367
baseline
▲ 0.50% · 4.625%
HK$24,788
+HK$1,421/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$46,734/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$334,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,461
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$25,117
−HK$666/mo
Today · 4.125%
HK$25,783
baseline
▲ 0.50% · 4.625%
HK$27,142
+HK$1,359/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$51,566/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$334,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,385
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$27,206
−HK$834/mo
Today · 4.125%
HK$28,040
baseline
▲ 0.50% · 4.625%
HK$29,746
+HK$1,706/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$56,080/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$334,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,353
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$30,141
−HK$798/mo
Today · 4.125%
HK$30,939
baseline
▲ 0.50% · 4.625%
HK$32,570
+HK$1,631/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$61,878/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$334,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,783
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$31,740
−HK$973/mo
Today · 4.125%
HK$32,713
baseline
▲ 0.50% · 4.625%
HK$34,704
+HK$1,991/mo
Deposit HK$2.89M · loan HK$6.75M · min. income ≈ HK$65,426/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$334,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,246
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$35,164
−HK$932/mo
Today · 4.125%
HK$36,096
baseline
▲ 0.50% · 4.625%
HK$37,999
+HK$1,903/mo
Deposit HK$2.89M · loan HK$6.75M · min. income ≈ HK$72,192/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$334,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,578
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$40,809
−HK$1,251/mo
Today · 4.125%
HK$42,060
baseline
▲ 0.50% · 4.625%
HK$44,619
+HK$2,559/mo
Deposit HK$964K · loan HK$8.68M · min. income ≈ HK$84,120/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$334,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,030
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$45,211
−HK$1,198/mo
Today · 4.125%
HK$46,409
baseline
▲ 0.50% · 4.625%
HK$48,855
+HK$2,446/mo
Deposit HK$964K · loan HK$8.68M · min. income ≈ HK$92,818/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$334,270 · 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).