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$21,964
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$22,647
−HK$694/mo
Today · 4.125%
HK$23,341
baseline
▲ 0.50% · 4.625%
HK$24,761
+HK$1,420/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$46,682/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$333,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,434
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$25,090
−HK$664/mo
Today · 4.125%
HK$25,754
baseline
▲ 0.50% · 4.625%
HK$27,112
+HK$1,358/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$51,508/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$333,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,356
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$27,176
−HK$833/mo
Today · 4.125%
HK$28,009
baseline
▲ 0.50% · 4.625%
HK$29,713
+HK$1,704/mo
Deposit HK$3.85M · loan HK$5.78M · min. income ≈ HK$56,018/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$333,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,321
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$30,107
−HK$798/mo
Today · 4.125%
HK$30,905
baseline
▲ 0.50% · 4.625%
HK$32,534
+HK$1,629/mo
Deposit HK$3.85M · loan HK$5.78M · min. income ≈ HK$61,810/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$333,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,749
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$31,705
−HK$972/mo
Today · 4.125%
HK$32,677
baseline
▲ 0.50% · 4.625%
HK$34,666
+HK$1,989/mo
Deposit HK$2.89M · loan HK$6.74M · min. income ≈ HK$65,354/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$333,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,208
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$35,125
−HK$931/mo
Today · 4.125%
HK$36,056
baseline
▲ 0.50% · 4.625%
HK$37,957
+HK$1,901/mo
Deposit HK$2.89M · loan HK$6.74M · min. income ≈ HK$72,112/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$333,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,534
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$40,764
−HK$1,250/mo
Today · 4.125%
HK$42,014
baseline
▲ 0.50% · 4.625%
HK$44,570
+HK$2,556/mo
Deposit HK$963K · loan HK$8.67M · min. income ≈ HK$84,028/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$333,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,982
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$45,161
−HK$1,197/mo
Today · 4.125%
HK$46,358
baseline
▲ 0.50% · 4.625%
HK$48,801
+HK$2,443/mo
Deposit HK$963K · loan HK$8.67M · min. income ≈ HK$92,716/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$333,206 · 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).