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$21,923
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$22,605
−HK$692/mo
Today · 4.125%
HK$23,297
baseline
▲ 0.50% · 4.625%
HK$24,715
+HK$1,418/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$46,594/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$331,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,389
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$25,043
−HK$663/mo
Today · 4.125%
HK$25,706
baseline
▲ 0.50% · 4.625%
HK$27,061
+HK$1,355/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$51,412/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$331,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,307
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$27,125
−HK$832/mo
Today · 4.125%
HK$27,957
baseline
▲ 0.50% · 4.625%
HK$29,658
+HK$1,701/mo
Deposit HK$3.85M · loan HK$5.77M · min. income ≈ HK$55,914/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$331,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,266
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$30,051
−HK$797/mo
Today · 4.125%
HK$30,848
baseline
▲ 0.50% · 4.625%
HK$32,474
+HK$1,626/mo
Deposit HK$3.85M · loan HK$5.77M · min. income ≈ HK$61,696/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$331,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,692
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$31,646
−HK$970/mo
Today · 4.125%
HK$32,616
baseline
▲ 0.50% · 4.625%
HK$34,601
+HK$1,985/mo
Deposit HK$2.88M · loan HK$6.73M · min. income ≈ HK$65,232/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$331,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,144
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$35,060
−HK$929/mo
Today · 4.125%
HK$35,989
baseline
▲ 0.50% · 4.625%
HK$37,886
+HK$1,897/mo
Deposit HK$2.88M · loan HK$6.73M · min. income ≈ HK$71,978/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$331,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,461
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$40,688
−HK$1,247/mo
Today · 4.125%
HK$41,935
baseline
▲ 0.50% · 4.625%
HK$44,487
+HK$2,552/mo
Deposit HK$961K · loan HK$8.65M · min. income ≈ HK$83,870/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$331,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,900
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$45,077
−HK$1,194/mo
Today · 4.125%
HK$46,271
baseline
▲ 0.50% · 4.625%
HK$48,710
+HK$2,439/mo
Deposit HK$961K · loan HK$8.65M · min. income ≈ HK$92,542/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$331,411 · 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).