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$21,931
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$22,613
−HK$694/mo
Today · 4.125%
HK$23,307
baseline
▲ 0.50% · 4.625%
HK$24,725
+HK$1,418/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$46,614/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$331,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,398
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$25,053
−HK$663/mo
Today · 4.125%
HK$25,716
baseline
▲ 0.50% · 4.625%
HK$27,072
+HK$1,356/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$51,432/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$331,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,318
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$27,136
−HK$832/mo
Today · 4.125%
HK$27,968
baseline
▲ 0.50% · 4.625%
HK$29,670
+HK$1,702/mo
Deposit HK$3.85M · loan HK$5.77M · min. income ≈ HK$55,936/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$331,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,278
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$30,063
−HK$797/mo
Today · 4.125%
HK$30,860
baseline
▲ 0.50% · 4.625%
HK$32,486
+HK$1,626/mo
Deposit HK$3.85M · loan HK$5.77M · min. income ≈ HK$61,720/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$331,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,704
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$31,659
−HK$970/mo
Today · 4.125%
HK$32,629
baseline
▲ 0.50% · 4.625%
HK$34,615
+HK$1,986/mo
Deposit HK$2.89M · loan HK$6.73M · min. income ≈ HK$65,258/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$331,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,158
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$35,074
−HK$929/mo
Today · 4.125%
HK$36,003
baseline
▲ 0.50% · 4.625%
HK$37,901
+HK$1,898/mo
Deposit HK$2.89M · loan HK$6.73M · min. income ≈ HK$72,006/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$331,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,476
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$40,704
−HK$1,248/mo
Today · 4.125%
HK$41,952
baseline
▲ 0.50% · 4.625%
HK$44,504
+HK$2,552/mo
Deposit HK$962K · loan HK$8.66M · min. income ≈ HK$83,904/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$331,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,917
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$45,095
−HK$1,195/mo
Today · 4.125%
HK$46,290
baseline
▲ 0.50% · 4.625%
HK$48,730
+HK$2,440/mo
Deposit HK$962K · loan HK$8.66M · min. income ≈ HK$92,580/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$331,789 · 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).