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$21,982
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$22,666
−HK$694/mo
Today · 4.125%
HK$23,360
baseline
▲ 0.50% · 4.625%
HK$24,782
+HK$1,422/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$46,720/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$334,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,455
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$25,111
−HK$665/mo
Today · 4.125%
HK$25,776
baseline
▲ 0.50% · 4.625%
HK$27,135
+HK$1,359/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$51,552/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$334,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,378
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$27,199
−HK$833/mo
Today · 4.125%
HK$28,032
baseline
▲ 0.50% · 4.625%
HK$29,738
+HK$1,706/mo
Deposit HK$3.86M · loan HK$5.78M · min. income ≈ HK$56,064/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$334,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,346
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$30,133
−HK$798/mo
Today · 4.125%
HK$30,931
baseline
▲ 0.50% · 4.625%
HK$32,561
+HK$1,630/mo
Deposit HK$3.86M · loan HK$5.78M · min. income ≈ HK$61,862/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$334,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,775
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$31,732
−HK$973/mo
Today · 4.125%
HK$32,705
baseline
▲ 0.50% · 4.625%
HK$34,695
+HK$1,990/mo
Deposit HK$2.89M · loan HK$6.75M · min. income ≈ HK$65,410/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$334,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,237
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$35,155
−HK$931/mo
Today · 4.125%
HK$36,086
baseline
▲ 0.50% · 4.625%
HK$37,988
+HK$1,902/mo
Deposit HK$2.89M · loan HK$6.75M · min. income ≈ HK$72,172/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$334,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,567
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$40,798
−HK$1,251/mo
Today · 4.125%
HK$42,049
baseline
▲ 0.50% · 4.625%
HK$44,607
+HK$2,558/mo
Deposit HK$964K · loan HK$8.68M · min. income ≈ HK$84,098/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$334,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,018
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$45,199
−HK$1,198/mo
Today · 4.125%
HK$46,397
baseline
▲ 0.50% · 4.625%
HK$48,842
+HK$2,445/mo
Deposit HK$964K · loan HK$8.68M · min. income ≈ HK$92,794/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$334,012 · 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).