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$21,931
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$22,613
−HK$693/mo
Today · 4.125%
HK$23,306
baseline
▲ 0.50% · 4.625%
HK$24,724
+HK$1,418/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$46,612/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$331,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,398
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$25,052
−HK$664/mo
Today · 4.125%
HK$25,716
baseline
▲ 0.50% · 4.625%
HK$27,072
+HK$1,356/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$51,432/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$331,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,317
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$27,136
−HK$831/mo
Today · 4.125%
HK$27,967
baseline
▲ 0.50% · 4.625%
HK$29,669
+HK$1,702/mo
Deposit HK$3.85M · loan HK$5.77M · min. income ≈ HK$55,934/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$331,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,278
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$30,063
−HK$796/mo
Today · 4.125%
HK$30,859
baseline
▲ 0.50% · 4.625%
HK$32,486
+HK$1,627/mo
Deposit HK$3.85M · loan HK$5.77M · min. income ≈ HK$61,718/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$331,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,703
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$31,658
−HK$971/mo
Today · 4.125%
HK$32,629
baseline
▲ 0.50% · 4.625%
HK$34,614
+HK$1,985/mo
Deposit HK$2.89M · loan HK$6.73M · min. income ≈ HK$65,258/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$331,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,157
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$35,073
−HK$930/mo
Today · 4.125%
HK$36,003
baseline
▲ 0.50% · 4.625%
HK$37,900
+HK$1,897/mo
Deposit HK$2.89M · loan HK$6.73M · min. income ≈ HK$72,006/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$331,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,476
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$40,704
−HK$1,247/mo
Today · 4.125%
HK$41,951
baseline
▲ 0.50% · 4.625%
HK$44,504
+HK$2,553/mo
Deposit HK$962K · loan HK$8.66M · min. income ≈ HK$83,902/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$331,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,916
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$45,094
−HK$1,195/mo
Today · 4.125%
HK$46,289
baseline
▲ 0.50% · 4.625%
HK$48,729
+HK$2,440/mo
Deposit HK$962K · loan HK$8.66M · min. income ≈ HK$92,578/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$331,777 · 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).