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$21,958
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$22,641
−HK$694/mo
Today · 4.125%
HK$23,335
baseline
▲ 0.50% · 4.625%
HK$24,755
+HK$1,420/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$46,670/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$332,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,428
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$25,083
−HK$665/mo
Today · 4.125%
HK$25,748
baseline
▲ 0.50% · 4.625%
HK$27,105
+HK$1,357/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$51,496/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$332,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,350
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$27,169
−HK$833/mo
Today · 4.125%
HK$28,002
baseline
▲ 0.50% · 4.625%
HK$29,706
+HK$1,704/mo
Deposit HK$3.85M · loan HK$5.78M · min. income ≈ HK$56,004/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$332,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,314
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$30,100
−HK$797/mo
Today · 4.125%
HK$30,897
baseline
▲ 0.50% · 4.625%
HK$32,526
+HK$1,629/mo
Deposit HK$3.85M · loan HK$5.78M · min. income ≈ HK$61,794/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$332,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,741
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$31,697
−HK$972/mo
Today · 4.125%
HK$32,669
baseline
▲ 0.50% · 4.625%
HK$34,657
+HK$1,988/mo
Deposit HK$2.89M · loan HK$6.74M · min. income ≈ HK$65,338/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$332,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,199
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$35,117
−HK$930/mo
Today · 4.125%
HK$36,047
baseline
▲ 0.50% · 4.625%
HK$37,947
+HK$1,900/mo
Deposit HK$2.89M · loan HK$6.74M · min. income ≈ HK$72,094/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$332,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,524
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$40,754
−HK$1,249/mo
Today · 4.125%
HK$42,003
baseline
▲ 0.50% · 4.625%
HK$44,559
+HK$2,556/mo
Deposit HK$963K · loan HK$8.67M · min. income ≈ HK$84,006/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$332,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,971
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$45,150
−HK$1,196/mo
Today · 4.125%
HK$46,346
baseline
▲ 0.50% · 4.625%
HK$48,789
+HK$2,443/mo
Deposit HK$963K · loan HK$8.67M · min. income ≈ HK$92,692/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$332,963 · 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).