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$21,955
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$22,638
−HK$694/mo
Today · 4.125%
HK$23,332
baseline
▲ 0.50% · 4.625%
HK$24,751
+HK$1,419/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$46,664/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$332,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,425
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$25,080
−HK$664/mo
Today · 4.125%
HK$25,744
baseline
▲ 0.50% · 4.625%
HK$27,101
+HK$1,357/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$51,488/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$332,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,346
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$27,165
−HK$833/mo
Today · 4.125%
HK$27,998
baseline
▲ 0.50% · 4.625%
HK$29,702
+HK$1,704/mo
Deposit HK$3.85M · loan HK$5.78M · min. income ≈ HK$55,996/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$332,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,310
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$30,096
−HK$797/mo
Today · 4.125%
HK$30,893
baseline
▲ 0.50% · 4.625%
HK$32,522
+HK$1,629/mo
Deposit HK$3.85M · loan HK$5.78M · min. income ≈ HK$61,786/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$332,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,737
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$31,693
−HK$971/mo
Today · 4.125%
HK$32,664
baseline
▲ 0.50% · 4.625%
HK$34,652
+HK$1,988/mo
Deposit HK$2.89M · loan HK$6.74M · min. income ≈ HK$65,328/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$332,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,195
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$35,112
−HK$930/mo
Today · 4.125%
HK$36,042
baseline
▲ 0.50% · 4.625%
HK$37,942
+HK$1,900/mo
Deposit HK$2.89M · loan HK$6.74M · min. income ≈ HK$72,084/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$332,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,519
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$40,748
−HK$1,249/mo
Today · 4.125%
HK$41,997
baseline
▲ 0.50% · 4.625%
HK$44,553
+HK$2,556/mo
Deposit HK$963K · loan HK$8.67M · min. income ≈ HK$83,994/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$332,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,964
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$45,143
−HK$1,197/mo
Today · 4.125%
HK$46,340
baseline
▲ 0.50% · 4.625%
HK$48,782
+HK$2,442/mo
Deposit HK$963K · loan HK$8.67M · min. income ≈ HK$92,680/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$332,828 · 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).