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$21,947
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$22,629
−HK$694/mo
Today · 4.125%
HK$23,323
baseline
▲ 0.50% · 4.625%
HK$24,742
+HK$1,419/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$46,646/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$332,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,416
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$25,070
−HK$665/mo
Today · 4.125%
HK$25,735
baseline
▲ 0.50% · 4.625%
HK$27,091
+HK$1,356/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$51,470/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$332,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,336
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$27,155
−HK$833/mo
Today · 4.125%
HK$27,988
baseline
▲ 0.50% · 4.625%
HK$29,691
+HK$1,703/mo
Deposit HK$3.85M · loan HK$5.77M · min. income ≈ HK$55,976/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$332,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,299
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$30,084
−HK$798/mo
Today · 4.125%
HK$30,882
baseline
▲ 0.50% · 4.625%
HK$32,509
+HK$1,627/mo
Deposit HK$3.85M · loan HK$5.77M · min. income ≈ HK$61,764/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$332,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,725
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$31,681
−HK$971/mo
Today · 4.125%
HK$32,652
baseline
▲ 0.50% · 4.625%
HK$34,639
+HK$1,987/mo
Deposit HK$2.89M · loan HK$6.74M · min. income ≈ HK$65,304/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$332,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,182
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$35,098
−HK$930/mo
Today · 4.125%
HK$36,028
baseline
▲ 0.50% · 4.625%
HK$37,928
+HK$1,900/mo
Deposit HK$2.89M · loan HK$6.74M · min. income ≈ HK$72,056/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$332,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,504
−HK$2,477/mo
▼ 0.25% · 3.875%
HK$40,733
−HK$1,248/mo
Today · 4.125%
HK$41,981
baseline
▲ 0.50% · 4.625%
HK$44,536
+HK$2,555/mo
Deposit HK$962K · loan HK$8.66M · min. income ≈ HK$83,962/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$332,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,948
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$45,127
−HK$1,195/mo
Today · 4.125%
HK$46,322
baseline
▲ 0.50% · 4.625%
HK$48,764
+HK$2,442/mo
Deposit HK$962K · loan HK$8.66M · min. income ≈ HK$92,644/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$332,469 · 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).