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$21,975
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$22,659
−HK$695/mo
Today · 4.125%
HK$23,354
baseline
▲ 0.50% · 4.625%
HK$24,775
+HK$1,421/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$46,708/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$333,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,447
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$25,103
−HK$665/mo
Today · 4.125%
HK$25,768
baseline
▲ 0.50% · 4.625%
HK$27,127
+HK$1,359/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$51,536/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$333,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,371
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$27,191
−HK$833/mo
Today · 4.125%
HK$28,024
baseline
▲ 0.50% · 4.625%
HK$29,729
+HK$1,705/mo
Deposit HK$3.85M · loan HK$5.78M · min. income ≈ HK$56,048/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$333,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,337
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$30,124
−HK$798/mo
Today · 4.125%
HK$30,922
baseline
▲ 0.50% · 4.625%
HK$32,552
+HK$1,630/mo
Deposit HK$3.85M · loan HK$5.78M · min. income ≈ HK$61,844/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$333,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,766
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$31,723
−HK$972/mo
Today · 4.125%
HK$32,695
baseline
▲ 0.50% · 4.625%
HK$34,684
+HK$1,989/mo
Deposit HK$2.89M · loan HK$6.75M · min. income ≈ HK$65,390/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$333,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,226
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$35,144
−HK$932/mo
Today · 4.125%
HK$36,076
baseline
▲ 0.50% · 4.625%
HK$37,977
+HK$1,901/mo
Deposit HK$2.89M · loan HK$6.75M · min. income ≈ HK$72,152/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$333,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,556
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$40,786
−HK$1,250/mo
Today · 4.125%
HK$42,036
baseline
▲ 0.50% · 4.625%
HK$44,594
+HK$2,558/mo
Deposit HK$964K · loan HK$8.67M · min. income ≈ HK$84,072/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$333,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,005
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$45,186
−HK$1,197/mo
Today · 4.125%
HK$46,383
baseline
▲ 0.50% · 4.625%
HK$48,828
+HK$2,445/mo
Deposit HK$964K · loan HK$8.67M · min. income ≈ HK$92,766/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$333,729 · 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).