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$21,982
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$22,666
−HK$695/mo
Today · 4.125%
HK$23,361
baseline
▲ 0.50% · 4.625%
HK$24,782
+HK$1,421/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$46,722/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$334,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,455
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$25,111
−HK$665/mo
Today · 4.125%
HK$25,776
baseline
▲ 0.50% · 4.625%
HK$27,135
+HK$1,359/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$51,552/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$334,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,379
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$27,199
−HK$834/mo
Today · 4.125%
HK$28,033
baseline
▲ 0.50% · 4.625%
HK$29,739
+HK$1,706/mo
Deposit HK$3.86M · loan HK$5.78M · min. income ≈ HK$56,066/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$334,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,346
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$30,133
−HK$799/mo
Today · 4.125%
HK$30,932
baseline
▲ 0.50% · 4.625%
HK$32,562
+HK$1,630/mo
Deposit HK$3.86M · loan HK$5.78M · min. income ≈ HK$61,864/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$334,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,775
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$31,733
−HK$972/mo
Today · 4.125%
HK$32,705
baseline
▲ 0.50% · 4.625%
HK$34,695
+HK$1,990/mo
Deposit HK$2.89M · loan HK$6.75M · min. income ≈ HK$65,410/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$334,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,237
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$35,155
−HK$932/mo
Today · 4.125%
HK$36,087
baseline
▲ 0.50% · 4.625%
HK$37,989
+HK$1,902/mo
Deposit HK$2.89M · loan HK$6.75M · min. income ≈ HK$72,174/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$334,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,568
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$40,799
−HK$1,250/mo
Today · 4.125%
HK$42,049
baseline
▲ 0.50% · 4.625%
HK$44,608
+HK$2,559/mo
Deposit HK$964K · loan HK$8.68M · min. income ≈ HK$84,098/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$334,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,019
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$45,200
−HK$1,197/mo
Today · 4.125%
HK$46,397
baseline
▲ 0.50% · 4.625%
HK$48,843
+HK$2,446/mo
Deposit HK$964K · loan HK$8.68M · min. income ≈ HK$92,794/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$334,029 · 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).