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$21,923
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$22,605
−HK$693/mo
Today · 4.125%
HK$23,298
baseline
▲ 0.50% · 4.625%
HK$24,716
+HK$1,418/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$46,596/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$331,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,389
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$25,043
−HK$664/mo
Today · 4.125%
HK$25,707
baseline
▲ 0.50% · 4.625%
HK$27,062
+HK$1,355/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$51,414/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$331,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,308
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$27,126
−HK$832/mo
Today · 4.125%
HK$27,958
baseline
▲ 0.50% · 4.625%
HK$29,659
+HK$1,701/mo
Deposit HK$3.85M · loan HK$5.77M · min. income ≈ HK$55,916/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$331,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,267
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$30,052
−HK$796/mo
Today · 4.125%
HK$30,848
baseline
▲ 0.50% · 4.625%
HK$32,475
+HK$1,627/mo
Deposit HK$3.85M · loan HK$5.77M · min. income ≈ HK$61,696/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$331,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,692
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$31,647
−HK$970/mo
Today · 4.125%
HK$32,617
baseline
▲ 0.50% · 4.625%
HK$34,602
+HK$1,985/mo
Deposit HK$2.88M · loan HK$6.73M · min. income ≈ HK$65,234/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$331,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,145
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$35,061
−HK$929/mo
Today · 4.125%
HK$35,990
baseline
▲ 0.50% · 4.625%
HK$37,887
+HK$1,897/mo
Deposit HK$2.88M · loan HK$6.73M · min. income ≈ HK$71,980/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$331,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,462
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$40,689
−HK$1,247/mo
Today · 4.125%
HK$41,936
baseline
▲ 0.50% · 4.625%
HK$44,488
+HK$2,552/mo
Deposit HK$961K · loan HK$8.65M · min. income ≈ HK$83,872/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$331,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,901
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$45,078
−HK$1,195/mo
Today · 4.125%
HK$46,273
baseline
▲ 0.50% · 4.625%
HK$48,712
+HK$2,439/mo
Deposit HK$961K · loan HK$8.65M · min. income ≈ HK$92,546/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$331,437 · 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).