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$333,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,430
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$25,085
−HK$665/mo
Today · 4.125%
HK$25,750
baseline
▲ 0.50% · 4.625%
HK$27,107
+HK$1,357/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$51,500/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$333,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,352
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$27,171
−HK$833/mo
Today · 4.125%
HK$28,004
baseline
▲ 0.50% · 4.625%
HK$29,708
+HK$1,704/mo
Deposit HK$3.85M · loan HK$5.78M · min. income ≈ HK$56,008/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$333,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,316
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$30,102
−HK$798/mo
Today · 4.125%
HK$30,900
baseline
▲ 0.50% · 4.625%
HK$32,529
+HK$1,629/mo
Deposit HK$3.85M · loan HK$5.78M · min. income ≈ HK$61,800/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$333,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,744
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$31,700
−HK$972/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$333,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,202
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$35,119
−HK$931/mo
Today · 4.125%
HK$36,050
baseline
▲ 0.50% · 4.625%
HK$37,950
+HK$1,900/mo
Deposit HK$2.89M · loan HK$6.74M · min. income ≈ HK$72,100/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$333,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,528
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$40,757
−HK$1,249/mo
Today · 4.125%
HK$42,006
baseline
▲ 0.50% · 4.625%
HK$44,562
+HK$2,556/mo
Deposit HK$963K · loan HK$8.67M · min. income ≈ HK$84,012/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$333,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,974
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$45,153
−HK$1,197/mo
Today · 4.125%
HK$46,350
baseline
▲ 0.50% · 4.625%
HK$48,793
+HK$2,443/mo
Deposit HK$963K · loan HK$8.67M · min. income ≈ HK$92,700/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$333,041 · 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).