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$21,915
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$22,597
−HK$693/mo
Today · 4.125%
HK$23,290
baseline
▲ 0.50% · 4.625%
HK$24,707
+HK$1,417/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$46,580/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$331,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,381
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$25,035
−HK$663/mo
Today · 4.125%
HK$25,698
baseline
▲ 0.50% · 4.625%
HK$27,052
+HK$1,354/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$51,396/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$331,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,299
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$27,117
−HK$831/mo
Today · 4.125%
HK$27,948
baseline
▲ 0.50% · 4.625%
HK$29,648
+HK$1,700/mo
Deposit HK$3.84M · loan HK$5.77M · min. income ≈ HK$55,896/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$331,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,257
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$30,041
−HK$796/mo
Today · 4.125%
HK$30,837
baseline
▲ 0.50% · 4.625%
HK$32,463
+HK$1,626/mo
Deposit HK$3.84M · loan HK$5.77M · min. income ≈ HK$61,674/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$331,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,682
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$31,636
−HK$970/mo
Today · 4.125%
HK$32,606
baseline
▲ 0.50% · 4.625%
HK$34,590
+HK$1,984/mo
Deposit HK$2.88M · loan HK$6.73M · min. income ≈ HK$65,212/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$331,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,133
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$35,048
−HK$929/mo
Today · 4.125%
HK$35,977
baseline
▲ 0.50% · 4.625%
HK$37,873
+HK$1,896/mo
Deposit HK$2.88M · loan HK$6.73M · min. income ≈ HK$71,954/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$331,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,448
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$40,675
−HK$1,247/mo
Today · 4.125%
HK$41,922
baseline
▲ 0.50% · 4.625%
HK$44,472
+HK$2,550/mo
Deposit HK$961K · loan HK$8.65M · min. income ≈ HK$83,844/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$331,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,885
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$45,062
−HK$1,194/mo
Today · 4.125%
HK$46,256
baseline
▲ 0.50% · 4.625%
HK$48,694
+HK$2,438/mo
Deposit HK$961K · loan HK$8.65M · min. income ≈ HK$92,512/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$331,096 · 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).