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$21,991
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$22,675
−HK$695/mo
Today · 4.125%
HK$23,370
baseline
▲ 0.50% · 4.625%
HK$24,792
+HK$1,422/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$46,740/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$334,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,464
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$25,120
−HK$666/mo
Today · 4.125%
HK$25,786
baseline
▲ 0.50% · 4.625%
HK$27,145
+HK$1,359/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$51,572/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$334,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,389
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$27,209
−HK$834/mo
Today · 4.125%
HK$28,043
baseline
▲ 0.50% · 4.625%
HK$29,750
+HK$1,707/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$56,086/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$334,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,357
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$30,144
−HK$799/mo
Today · 4.125%
HK$30,943
baseline
▲ 0.50% · 4.625%
HK$32,574
+HK$1,631/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$61,886/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$334,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,787
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$31,744
−HK$973/mo
Today · 4.125%
HK$32,717
baseline
▲ 0.50% · 4.625%
HK$34,708
+HK$1,991/mo
Deposit HK$2.89M · loan HK$6.75M · min. income ≈ HK$65,434/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$334,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,250
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$35,169
−HK$931/mo
Today · 4.125%
HK$36,100
baseline
▲ 0.50% · 4.625%
HK$38,003
+HK$1,903/mo
Deposit HK$2.89M · loan HK$6.75M · min. income ≈ HK$72,200/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$334,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,583
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$40,814
−HK$1,251/mo
Today · 4.125%
HK$42,065
baseline
▲ 0.50% · 4.625%
HK$44,625
+HK$2,560/mo
Deposit HK$964K · loan HK$8.68M · min. income ≈ HK$84,130/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$334,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,036
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$45,217
−HK$1,198/mo
Today · 4.125%
HK$46,415
baseline
▲ 0.50% · 4.625%
HK$48,861
+HK$2,446/mo
Deposit HK$964K · loan HK$8.68M · min. income ≈ HK$92,830/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$334,389 · 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).