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$21,977
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$22,660
−HK$695/mo
Today · 4.125%
HK$23,355
baseline
▲ 0.50% · 4.625%
HK$24,776
+HK$1,421/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$46,710/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$333,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,449
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$25,105
−HK$665/mo
Today · 4.125%
HK$25,770
baseline
▲ 0.50% · 4.625%
HK$27,128
+HK$1,358/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$51,540/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$333,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,372
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$27,192
−HK$834/mo
Today · 4.125%
HK$28,026
baseline
▲ 0.50% · 4.625%
HK$29,731
+HK$1,705/mo
Deposit HK$3.86M · loan HK$5.78M · min. income ≈ HK$56,052/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$333,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,339
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$30,125
−HK$799/mo
Today · 4.125%
HK$30,924
baseline
▲ 0.50% · 4.625%
HK$32,554
+HK$1,630/mo
Deposit HK$3.86M · loan HK$5.78M · min. income ≈ HK$61,848/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$333,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,767
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$31,724
−HK$973/mo
Today · 4.125%
HK$32,697
baseline
▲ 0.50% · 4.625%
HK$34,686
+HK$1,989/mo
Deposit HK$2.89M · loan HK$6.75M · min. income ≈ HK$65,394/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$333,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,228
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$35,146
−HK$932/mo
Today · 4.125%
HK$36,078
baseline
▲ 0.50% · 4.625%
HK$37,979
+HK$1,901/mo
Deposit HK$2.89M · loan HK$6.75M · min. income ≈ HK$72,156/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$333,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,558
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$40,789
−HK$1,250/mo
Today · 4.125%
HK$42,039
baseline
▲ 0.50% · 4.625%
HK$44,597
+HK$2,558/mo
Deposit HK$964K · loan HK$8.67M · min. income ≈ HK$84,078/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$333,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,008
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$45,188
−HK$1,198/mo
Today · 4.125%
HK$46,386
baseline
▲ 0.50% · 4.625%
HK$48,831
+HK$2,445/mo
Deposit HK$964K · loan HK$8.67M · min. income ≈ HK$92,772/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$333,781 · 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).