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$21,960
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$22,643
−HK$694/mo
Today · 4.125%
HK$23,337
baseline
▲ 0.50% · 4.625%
HK$24,757
+HK$1,420/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$46,674/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$333,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,431
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$25,086
−HK$665/mo
Today · 4.125%
HK$25,751
baseline
▲ 0.50% · 4.625%
HK$27,108
+HK$1,357/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$51,502/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$333,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,352
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$27,172
−HK$833/mo
Today · 4.125%
HK$28,005
baseline
▲ 0.50% · 4.625%
HK$29,709
+HK$1,704/mo
Deposit HK$3.85M · loan HK$5.78M · min. income ≈ HK$56,010/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$333,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,317
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$30,103
−HK$798/mo
Today · 4.125%
HK$30,901
baseline
▲ 0.50% · 4.625%
HK$32,529
+HK$1,628/mo
Deposit HK$3.85M · loan HK$5.78M · min. income ≈ HK$61,802/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$333,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,744
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$31,701
−HK$971/mo
Today · 4.125%
HK$32,672
baseline
▲ 0.50% · 4.625%
HK$34,660
+HK$1,988/mo
Deposit HK$2.89M · loan HK$6.74M · min. income ≈ HK$65,344/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$333,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,203
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$35,120
−HK$931/mo
Today · 4.125%
HK$36,051
baseline
▲ 0.50% · 4.625%
HK$37,951
+HK$1,900/mo
Deposit HK$2.89M · loan HK$6.74M · min. income ≈ HK$72,102/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$333,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,529
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$40,758
−HK$1,249/mo
Today · 4.125%
HK$42,007
baseline
▲ 0.50% · 4.625%
HK$44,563
+HK$2,556/mo
Deposit HK$963K · loan HK$8.67M · min. income ≈ HK$84,014/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$333,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,975
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$45,155
−HK$1,196/mo
Today · 4.125%
HK$46,351
baseline
▲ 0.50% · 4.625%
HK$48,794
+HK$2,443/mo
Deposit HK$963K · loan HK$8.67M · min. income ≈ HK$92,702/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$333,065 · 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).