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$21,925
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$22,607
−HK$693/mo
Today · 4.125%
HK$23,300
baseline
▲ 0.50% · 4.625%
HK$24,718
+HK$1,418/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$46,600/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$331,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,392
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$25,046
−HK$664/mo
Today · 4.125%
HK$25,710
baseline
▲ 0.50% · 4.625%
HK$27,065
+HK$1,355/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$51,420/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$331,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,311
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$27,129
−HK$831/mo
Today · 4.125%
HK$27,960
baseline
▲ 0.50% · 4.625%
HK$29,662
+HK$1,702/mo
Deposit HK$3.85M · loan HK$5.77M · min. income ≈ HK$55,920/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$331,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,270
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$30,055
−HK$797/mo
Today · 4.125%
HK$30,852
baseline
▲ 0.50% · 4.625%
HK$32,478
+HK$1,626/mo
Deposit HK$3.85M · loan HK$5.77M · min. income ≈ HK$61,704/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$331,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,696
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$31,650
−HK$970/mo
Today · 4.125%
HK$32,620
baseline
▲ 0.50% · 4.625%
HK$34,605
+HK$1,985/mo
Deposit HK$2.88M · loan HK$6.73M · min. income ≈ HK$65,240/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$331,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,149
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$35,064
−HK$929/mo
Today · 4.125%
HK$35,993
baseline
▲ 0.50% · 4.625%
HK$37,891
+HK$1,898/mo
Deposit HK$2.88M · loan HK$6.73M · min. income ≈ HK$71,986/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$331,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,466
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$40,693
−HK$1,248/mo
Today · 4.125%
HK$41,941
baseline
▲ 0.50% · 4.625%
HK$44,493
+HK$2,552/mo
Deposit HK$962K · loan HK$8.65M · min. income ≈ HK$83,882/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$331,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,905
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$45,083
−HK$1,194/mo
Today · 4.125%
HK$46,277
baseline
▲ 0.50% · 4.625%
HK$48,717
+HK$2,440/mo
Deposit HK$962K · loan HK$8.65M · min. income ≈ HK$92,554/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$331,534 · 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).