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$21,987
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$22,671
−HK$695/mo
Today · 4.125%
HK$23,366
baseline
▲ 0.50% · 4.625%
HK$24,788
+HK$1,422/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$46,732/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$334,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,461
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$25,117
−HK$665/mo
Today · 4.125%
HK$25,782
baseline
▲ 0.50% · 4.625%
HK$27,141
+HK$1,359/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$51,564/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$334,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,385
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$27,206
−HK$833/mo
Today · 4.125%
HK$28,039
baseline
▲ 0.50% · 4.625%
HK$29,745
+HK$1,706/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$56,078/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$334,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,353
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$30,140
−HK$799/mo
Today · 4.125%
HK$30,939
baseline
▲ 0.50% · 4.625%
HK$32,569
+HK$1,630/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$61,878/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$334,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,782
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$31,740
−HK$973/mo
Today · 4.125%
HK$32,713
baseline
▲ 0.50% · 4.625%
HK$34,703
+HK$1,990/mo
Deposit HK$2.89M · loan HK$6.75M · min. income ≈ HK$65,426/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$334,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,245
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$35,163
−HK$932/mo
Today · 4.125%
HK$36,095
baseline
▲ 0.50% · 4.625%
HK$37,998
+HK$1,903/mo
Deposit HK$2.89M · loan HK$6.75M · min. income ≈ HK$72,190/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$334,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,577
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$40,808
−HK$1,251/mo
Today · 4.125%
HK$42,059
baseline
▲ 0.50% · 4.625%
HK$44,618
+HK$2,559/mo
Deposit HK$964K · loan HK$8.68M · min. income ≈ HK$84,118/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$334,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,029
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$45,210
−HK$1,198/mo
Today · 4.125%
HK$46,408
baseline
▲ 0.50% · 4.625%
HK$48,854
+HK$2,446/mo
Deposit HK$964K · loan HK$8.68M · min. income ≈ HK$92,816/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$334,249 · 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).