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$21,972
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$22,656
−HK$694/mo
Today · 4.125%
HK$23,350
baseline
▲ 0.50% · 4.625%
HK$24,771
+HK$1,421/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$46,700/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$333,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,444
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$25,099
−HK$665/mo
Today · 4.125%
HK$25,764
baseline
▲ 0.50% · 4.625%
HK$27,123
+HK$1,359/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$51,528/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$333,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,367
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$27,187
−HK$833/mo
Today · 4.125%
HK$28,020
baseline
▲ 0.50% · 4.625%
HK$29,725
+HK$1,705/mo
Deposit HK$3.85M · loan HK$5.78M · min. income ≈ HK$56,040/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$333,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,333
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$30,119
−HK$798/mo
Today · 4.125%
HK$30,917
baseline
▲ 0.50% · 4.625%
HK$32,547
+HK$1,630/mo
Deposit HK$3.85M · loan HK$5.78M · min. income ≈ HK$61,834/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$333,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,761
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$31,718
−HK$972/mo
Today · 4.125%
HK$32,690
baseline
▲ 0.50% · 4.625%
HK$34,679
+HK$1,989/mo
Deposit HK$2.89M · loan HK$6.75M · min. income ≈ HK$65,380/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$333,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,221
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$35,139
−HK$931/mo
Today · 4.125%
HK$36,070
baseline
▲ 0.50% · 4.625%
HK$37,972
+HK$1,902/mo
Deposit HK$2.89M · loan HK$6.75M · min. income ≈ HK$72,140/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$333,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,550
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$40,780
−HK$1,250/mo
Today · 4.125%
HK$42,030
baseline
▲ 0.50% · 4.625%
HK$44,587
+HK$2,557/mo
Deposit HK$964K · loan HK$8.67M · min. income ≈ HK$84,060/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$333,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,999
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$45,179
−HK$1,197/mo
Today · 4.125%
HK$46,376
baseline
▲ 0.50% · 4.625%
HK$48,821
+HK$2,445/mo
Deposit HK$964K · loan HK$8.67M · min. income ≈ HK$92,752/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$333,584 · 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).