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$21,974
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$22,657
−HK$694/mo
Today · 4.125%
HK$23,351
baseline
▲ 0.50% · 4.625%
HK$24,772
+HK$1,421/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$46,702/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$333,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,445
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$25,101
−HK$665/mo
Today · 4.125%
HK$25,766
baseline
▲ 0.50% · 4.625%
HK$27,124
+HK$1,358/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$51,532/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$333,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,368
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$27,188
−HK$834/mo
Today · 4.125%
HK$28,022
baseline
▲ 0.50% · 4.625%
HK$29,727
+HK$1,705/mo
Deposit HK$3.85M · loan HK$5.78M · min. income ≈ HK$56,044/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$333,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,334
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$30,121
−HK$798/mo
Today · 4.125%
HK$30,919
baseline
▲ 0.50% · 4.625%
HK$32,549
+HK$1,630/mo
Deposit HK$3.85M · loan HK$5.78M · min. income ≈ HK$61,838/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$333,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,763
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$31,720
−HK$972/mo
Today · 4.125%
HK$32,692
baseline
▲ 0.50% · 4.625%
HK$34,681
+HK$1,989/mo
Deposit HK$2.89M · loan HK$6.75M · min. income ≈ HK$65,384/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$333,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,223
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$35,141
−HK$931/mo
Today · 4.125%
HK$36,072
baseline
▲ 0.50% · 4.625%
HK$37,974
+HK$1,902/mo
Deposit HK$2.89M · loan HK$6.75M · min. income ≈ HK$72,144/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$333,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,552
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$40,783
−HK$1,250/mo
Today · 4.125%
HK$42,033
baseline
▲ 0.50% · 4.625%
HK$44,590
+HK$2,557/mo
Deposit HK$964K · loan HK$8.67M · min. income ≈ HK$84,066/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$333,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,002
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$45,182
−HK$1,197/mo
Today · 4.125%
HK$46,379
baseline
▲ 0.50% · 4.625%
HK$48,824
+HK$2,445/mo
Deposit HK$964K · loan HK$8.67M · min. income ≈ HK$92,758/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$333,642 · 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).