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$21,974
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$22,658
−HK$694/mo
Today · 4.125%
HK$23,352
baseline
▲ 0.50% · 4.625%
HK$24,773
+HK$1,421/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$46,704/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$333,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,446
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$25,102
−HK$665/mo
Today · 4.125%
HK$25,767
baseline
▲ 0.50% · 4.625%
HK$27,125
+HK$1,358/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$51,534/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$333,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,369
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$27,189
−HK$834/mo
Today · 4.125%
HK$28,023
baseline
▲ 0.50% · 4.625%
HK$29,728
+HK$1,705/mo
Deposit HK$3.85M · loan HK$5.78M · min. income ≈ HK$56,046/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$333,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,335
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$30,122
−HK$798/mo
Today · 4.125%
HK$30,920
baseline
▲ 0.50% · 4.625%
HK$32,550
+HK$1,630/mo
Deposit HK$3.85M · loan HK$5.78M · min. income ≈ HK$61,840/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$333,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,764
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$31,721
−HK$972/mo
Today · 4.125%
HK$32,693
baseline
▲ 0.50% · 4.625%
HK$34,682
+HK$1,989/mo
Deposit HK$2.89M · loan HK$6.75M · min. income ≈ HK$65,386/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$333,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,224
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$35,142
−HK$931/mo
Today · 4.125%
HK$36,073
baseline
▲ 0.50% · 4.625%
HK$37,975
+HK$1,902/mo
Deposit HK$2.89M · loan HK$6.75M · min. income ≈ HK$72,146/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$333,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,553
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$40,784
−HK$1,250/mo
Today · 4.125%
HK$42,034
baseline
▲ 0.50% · 4.625%
HK$44,591
+HK$2,557/mo
Deposit HK$964K · loan HK$8.67M · min. income ≈ HK$84,068/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$333,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,003
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$45,183
−HK$1,197/mo
Today · 4.125%
HK$46,380
baseline
▲ 0.50% · 4.625%
HK$48,825
+HK$2,445/mo
Deposit HK$964K · loan HK$8.67M · min. income ≈ HK$92,760/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$333,671 · 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).