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$21,981
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$22,665
−HK$694/mo
Today · 4.125%
HK$23,359
baseline
▲ 0.50% · 4.625%
HK$24,781
+HK$1,422/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$46,718/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$333,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,453
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$25,109
−HK$666/mo
Today · 4.125%
HK$25,775
baseline
▲ 0.50% · 4.625%
HK$27,133
+HK$1,358/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$51,550/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$333,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,377
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$27,198
−HK$833/mo
Today · 4.125%
HK$28,031
baseline
▲ 0.50% · 4.625%
HK$29,737
+HK$1,706/mo
Deposit HK$3.86M · loan HK$5.78M · min. income ≈ HK$56,062/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$333,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,344
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$30,131
−HK$799/mo
Today · 4.125%
HK$30,930
baseline
▲ 0.50% · 4.625%
HK$32,560
+HK$1,630/mo
Deposit HK$3.86M · loan HK$5.78M · min. income ≈ HK$61,860/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$333,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,773
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$31,730
−HK$973/mo
Today · 4.125%
HK$32,703
baseline
▲ 0.50% · 4.625%
HK$34,693
+HK$1,990/mo
Deposit HK$2.89M · loan HK$6.75M · min. income ≈ HK$65,406/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$333,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,235
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$35,153
−HK$931/mo
Today · 4.125%
HK$36,084
baseline
▲ 0.50% · 4.625%
HK$37,987
+HK$1,903/mo
Deposit HK$2.89M · loan HK$6.75M · min. income ≈ HK$72,168/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$333,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,566
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$40,796
−HK$1,251/mo
Today · 4.125%
HK$42,047
baseline
▲ 0.50% · 4.625%
HK$44,605
+HK$2,558/mo
Deposit HK$964K · loan HK$8.68M · min. income ≈ HK$84,094/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$333,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,016
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$45,197
−HK$1,197/mo
Today · 4.125%
HK$46,394
baseline
▲ 0.50% · 4.625%
HK$48,840
+HK$2,446/mo
Deposit HK$964K · loan HK$8.68M · min. income ≈ HK$92,788/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$333,965 · 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).