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$21,944
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$22,626
−HK$694/mo
Today · 4.125%
HK$23,320
baseline
▲ 0.50% · 4.625%
HK$24,739
+HK$1,419/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$46,640/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$332,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,412
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$25,067
−HK$664/mo
Today · 4.125%
HK$25,731
baseline
▲ 0.50% · 4.625%
HK$27,088
+HK$1,357/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$51,462/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$332,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,333
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$27,152
−HK$832/mo
Today · 4.125%
HK$27,984
baseline
▲ 0.50% · 4.625%
HK$29,687
+HK$1,703/mo
Deposit HK$3.85M · loan HK$5.77M · min. income ≈ HK$55,968/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$332,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,295
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$30,080
−HK$797/mo
Today · 4.125%
HK$30,877
baseline
▲ 0.50% · 4.625%
HK$32,505
+HK$1,628/mo
Deposit HK$3.85M · loan HK$5.77M · min. income ≈ HK$61,754/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$332,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,721
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$31,677
−HK$971/mo
Today · 4.125%
HK$32,648
baseline
▲ 0.50% · 4.625%
HK$34,634
+HK$1,986/mo
Deposit HK$2.89M · loan HK$6.74M · min. income ≈ HK$65,296/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$332,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,177
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$35,094
−HK$930/mo
Today · 4.125%
HK$36,024
baseline
▲ 0.50% · 4.625%
HK$37,923
+HK$1,899/mo
Deposit HK$2.89M · loan HK$6.74M · min. income ≈ HK$72,048/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$332,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,499
−HK$2,477/mo
▼ 0.25% · 3.875%
HK$40,728
−HK$1,248/mo
Today · 4.125%
HK$41,976
baseline
▲ 0.50% · 4.625%
HK$44,530
+HK$2,554/mo
Deposit HK$962K · loan HK$8.66M · min. income ≈ HK$83,952/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$332,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,942
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$45,121
−HK$1,195/mo
Today · 4.125%
HK$46,316
baseline
▲ 0.50% · 4.625%
HK$48,758
+HK$2,442/mo
Deposit HK$962K · loan HK$8.66M · min. income ≈ HK$92,632/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$332,342 · 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).