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$21,979
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$22,663
−HK$695/mo
Today · 4.125%
HK$23,358
baseline
▲ 0.50% · 4.625%
HK$24,779
+HK$1,421/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$46,716/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$333,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,452
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$25,108
−HK$665/mo
Today · 4.125%
HK$25,773
baseline
▲ 0.50% · 4.625%
HK$27,131
+HK$1,358/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$51,546/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$333,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,375
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$27,196
−HK$833/mo
Today · 4.125%
HK$28,029
baseline
▲ 0.50% · 4.625%
HK$29,735
+HK$1,706/mo
Deposit HK$3.86M · loan HK$5.78M · min. income ≈ HK$56,058/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$333,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,342
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$30,129
−HK$798/mo
Today · 4.125%
HK$30,927
baseline
▲ 0.50% · 4.625%
HK$32,558
+HK$1,631/mo
Deposit HK$3.86M · loan HK$5.78M · min. income ≈ HK$61,854/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$333,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,771
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$31,728
−HK$973/mo
Today · 4.125%
HK$32,701
baseline
▲ 0.50% · 4.625%
HK$34,691
+HK$1,990/mo
Deposit HK$2.89M · loan HK$6.75M · min. income ≈ HK$65,402/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$333,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,233
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$35,151
−HK$931/mo
Today · 4.125%
HK$36,082
baseline
▲ 0.50% · 4.625%
HK$37,984
+HK$1,902/mo
Deposit HK$2.89M · loan HK$6.75M · min. income ≈ HK$72,164/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$333,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,563
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$40,794
−HK$1,250/mo
Today · 4.125%
HK$42,044
baseline
▲ 0.50% · 4.625%
HK$44,602
+HK$2,558/mo
Deposit HK$964K · loan HK$8.68M · min. income ≈ HK$84,088/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$333,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,013
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$45,194
−HK$1,197/mo
Today · 4.125%
HK$46,391
baseline
▲ 0.50% · 4.625%
HK$48,837
+HK$2,446/mo
Deposit HK$964K · loan HK$8.68M · min. income ≈ HK$92,782/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$333,901 · 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).