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$21,999
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$22,683
−HK$695/mo
Today · 4.125%
HK$23,378
baseline
▲ 0.50% · 4.625%
HK$24,801
+HK$1,423/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$46,756/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$334,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,473
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$25,130
−HK$666/mo
Today · 4.125%
HK$25,796
baseline
▲ 0.50% · 4.625%
HK$27,155
+HK$1,359/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$51,592/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$334,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,399
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$27,220
−HK$834/mo
Today · 4.125%
HK$28,054
baseline
▲ 0.50% · 4.625%
HK$29,761
+HK$1,707/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$56,108/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$334,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,368
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$30,156
−HK$799/mo
Today · 4.125%
HK$30,955
baseline
▲ 0.50% · 4.625%
HK$32,586
+HK$1,631/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$61,910/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$334,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,798
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$31,756
−HK$974/mo
Today · 4.125%
HK$32,730
baseline
▲ 0.50% · 4.625%
HK$34,721
+HK$1,991/mo
Deposit HK$2.89M · loan HK$6.75M · min. income ≈ HK$65,460/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$334,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,263
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$35,182
−HK$932/mo
Today · 4.125%
HK$36,114
baseline
▲ 0.50% · 4.625%
HK$38,018
+HK$1,904/mo
Deposit HK$2.89M · loan HK$6.75M · min. income ≈ HK$72,228/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$334,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,598
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$40,830
−HK$1,251/mo
Today · 4.125%
HK$42,081
baseline
▲ 0.50% · 4.625%
HK$44,641
+HK$2,560/mo
Deposit HK$965K · loan HK$8.68M · min. income ≈ HK$84,162/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$334,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,052
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$45,234
−HK$1,198/mo
Today · 4.125%
HK$46,432
baseline
▲ 0.50% · 4.625%
HK$48,880
+HK$2,448/mo
Deposit HK$965K · loan HK$8.68M · min. income ≈ HK$92,864/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$334,751 · 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).