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$21,964
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$22,648
−HK$694/mo
Today · 4.125%
HK$23,342
baseline
▲ 0.50% · 4.625%
HK$24,762
+HK$1,420/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$46,684/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$333,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,435
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$25,091
−HK$664/mo
Today · 4.125%
HK$25,755
baseline
▲ 0.50% · 4.625%
HK$27,113
+HK$1,358/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$51,510/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$333,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,357
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$27,177
−HK$833/mo
Today · 4.125%
HK$28,010
baseline
▲ 0.50% · 4.625%
HK$29,714
+HK$1,704/mo
Deposit HK$3.85M · loan HK$5.78M · min. income ≈ HK$56,020/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$333,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,322
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$30,109
−HK$797/mo
Today · 4.125%
HK$30,906
baseline
▲ 0.50% · 4.625%
HK$32,536
+HK$1,630/mo
Deposit HK$3.85M · loan HK$5.78M · min. income ≈ HK$61,812/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$333,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,750
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$31,707
−HK$971/mo
Today · 4.125%
HK$32,678
baseline
▲ 0.50% · 4.625%
HK$34,667
+HK$1,989/mo
Deposit HK$2.89M · loan HK$6.74M · min. income ≈ HK$65,356/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$333,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,209
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$35,127
−HK$930/mo
Today · 4.125%
HK$36,057
baseline
▲ 0.50% · 4.625%
HK$37,958
+HK$1,901/mo
Deposit HK$2.89M · loan HK$6.74M · min. income ≈ HK$72,114/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$333,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,536
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$40,766
−HK$1,249/mo
Today · 4.125%
HK$42,015
baseline
▲ 0.50% · 4.625%
HK$44,572
+HK$2,557/mo
Deposit HK$963K · loan HK$8.67M · min. income ≈ HK$84,030/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$333,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,983
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$45,163
−HK$1,197/mo
Today · 4.125%
HK$46,360
baseline
▲ 0.50% · 4.625%
HK$48,803
+HK$2,443/mo
Deposit HK$963K · loan HK$8.67M · min. income ≈ HK$92,720/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$333,243 · 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).