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$21,914
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$22,596
−HK$692/mo
Today · 4.125%
HK$23,288
baseline
▲ 0.50% · 4.625%
HK$24,705
+HK$1,417/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$46,576/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$331,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,379
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$25,033
−HK$663/mo
Today · 4.125%
HK$25,696
baseline
▲ 0.50% · 4.625%
HK$27,051
+HK$1,355/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$51,392/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$331,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,297
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$27,115
−HK$831/mo
Today · 4.125%
HK$27,946
baseline
▲ 0.50% · 4.625%
HK$29,646
+HK$1,700/mo
Deposit HK$3.84M · loan HK$5.77M · min. income ≈ HK$55,892/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$331,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,255
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$30,040
−HK$796/mo
Today · 4.125%
HK$30,836
baseline
▲ 0.50% · 4.625%
HK$32,461
+HK$1,625/mo
Deposit HK$3.84M · loan HK$5.77M · min. income ≈ HK$61,672/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$331,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,680
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$31,634
−HK$970/mo
Today · 4.125%
HK$32,604
baseline
▲ 0.50% · 4.625%
HK$34,588
+HK$1,984/mo
Deposit HK$2.88M · loan HK$6.73M · min. income ≈ HK$65,208/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$331,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,131
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$35,046
−HK$929/mo
Today · 4.125%
HK$35,975
baseline
▲ 0.50% · 4.625%
HK$37,871
+HK$1,896/mo
Deposit HK$2.88M · loan HK$6.73M · min. income ≈ HK$71,950/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$331,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,445
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$40,672
−HK$1,247/mo
Today · 4.125%
HK$41,919
baseline
▲ 0.50% · 4.625%
HK$44,470
+HK$2,551/mo
Deposit HK$961K · loan HK$8.65M · min. income ≈ HK$83,838/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$331,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,883
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$45,060
−HK$1,193/mo
Today · 4.125%
HK$46,253
baseline
▲ 0.50% · 4.625%
HK$48,692
+HK$2,439/mo
Deposit HK$961K · loan HK$8.65M · min. income ≈ HK$92,506/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$331,038 · 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).