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$21,971
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$22,655
−HK$694/mo
Today · 4.125%
HK$23,349
baseline
▲ 0.50% · 4.625%
HK$24,770
+HK$1,421/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$46,698/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$333,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,443
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$25,098
−HK$665/mo
Today · 4.125%
HK$25,763
baseline
▲ 0.50% · 4.625%
HK$27,121
+HK$1,358/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$51,526/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$333,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,365
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$27,186
−HK$833/mo
Today · 4.125%
HK$28,019
baseline
▲ 0.50% · 4.625%
HK$29,724
+HK$1,705/mo
Deposit HK$3.85M · loan HK$5.78M · min. income ≈ HK$56,038/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$333,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,331
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$30,118
−HK$798/mo
Today · 4.125%
HK$30,916
baseline
▲ 0.50% · 4.625%
HK$32,546
+HK$1,630/mo
Deposit HK$3.85M · loan HK$5.78M · min. income ≈ HK$61,832/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$333,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,760
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$31,716
−HK$973/mo
Today · 4.125%
HK$32,689
baseline
▲ 0.50% · 4.625%
HK$34,678
+HK$1,989/mo
Deposit HK$2.89M · loan HK$6.74M · min. income ≈ HK$65,378/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$333,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,220
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$35,138
−HK$931/mo
Today · 4.125%
HK$36,069
baseline
▲ 0.50% · 4.625%
HK$37,970
+HK$1,901/mo
Deposit HK$2.89M · loan HK$6.74M · min. income ≈ HK$72,138/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$333,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,548
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$40,778
−HK$1,250/mo
Today · 4.125%
HK$42,028
baseline
▲ 0.50% · 4.625%
HK$44,586
+HK$2,558/mo
Deposit HK$964K · loan HK$8.67M · min. income ≈ HK$84,056/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$333,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,997
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$45,177
−HK$1,197/mo
Today · 4.125%
HK$46,374
baseline
▲ 0.50% · 4.625%
HK$48,818
+HK$2,444/mo
Deposit HK$964K · loan HK$8.67M · min. income ≈ HK$92,748/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$333,541 · 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).