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$21,995
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$22,680
−HK$695/mo
Today · 4.125%
HK$23,375
baseline
▲ 0.50% · 4.625%
HK$24,797
+HK$1,422/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$46,750/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$334,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,470
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$25,126
−HK$666/mo
Today · 4.125%
HK$25,792
baseline
▲ 0.50% · 4.625%
HK$27,151
+HK$1,359/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$51,584/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$334,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,394
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$27,215
−HK$835/mo
Today · 4.125%
HK$28,050
baseline
▲ 0.50% · 4.625%
HK$29,756
+HK$1,706/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$56,100/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$334,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,364
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$30,151
−HK$799/mo
Today · 4.125%
HK$30,950
baseline
▲ 0.50% · 4.625%
HK$32,581
+HK$1,631/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$61,900/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$334,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,794
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$31,751
−HK$974/mo
Today · 4.125%
HK$32,725
baseline
▲ 0.50% · 4.625%
HK$34,716
+HK$1,991/mo
Deposit HK$2.89M · loan HK$6.75M · min. income ≈ HK$65,450/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$334,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,257
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$35,176
−HK$932/mo
Today · 4.125%
HK$36,108
baseline
▲ 0.50% · 4.625%
HK$38,012
+HK$1,904/mo
Deposit HK$2.89M · loan HK$6.75M · min. income ≈ HK$72,216/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$334,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,592
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$40,823
−HK$1,251/mo
Today · 4.125%
HK$42,074
baseline
▲ 0.50% · 4.625%
HK$44,635
+HK$2,561/mo
Deposit HK$965K · loan HK$8.68M · min. income ≈ HK$84,148/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$334,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,045
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$45,227
−HK$1,198/mo
Today · 4.125%
HK$46,425
baseline
▲ 0.50% · 4.625%
HK$48,872
+HK$2,447/mo
Deposit HK$965K · loan HK$8.68M · min. income ≈ HK$92,850/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$334,601 · 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).