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$21,970
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$22,654
−HK$694/mo
Today · 4.125%
HK$23,348
baseline
▲ 0.50% · 4.625%
HK$24,769
+HK$1,421/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$46,696/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$333,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,442
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$25,097
−HK$665/mo
Today · 4.125%
HK$25,762
baseline
▲ 0.50% · 4.625%
HK$27,120
+HK$1,358/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$51,524/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$333,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,364
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$27,184
−HK$833/mo
Today · 4.125%
HK$28,017
baseline
▲ 0.50% · 4.625%
HK$29,722
+HK$1,705/mo
Deposit HK$3.85M · loan HK$5.78M · min. income ≈ HK$56,034/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$333,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,330
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$30,116
−HK$798/mo
Today · 4.125%
HK$30,914
baseline
▲ 0.50% · 4.625%
HK$32,544
+HK$1,630/mo
Deposit HK$3.85M · loan HK$5.78M · min. income ≈ HK$61,828/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$333,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,758
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$31,715
−HK$972/mo
Today · 4.125%
HK$32,687
baseline
▲ 0.50% · 4.625%
HK$34,676
+HK$1,989/mo
Deposit HK$2.89M · loan HK$6.74M · min. income ≈ HK$65,374/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$333,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,218
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$35,136
−HK$931/mo
Today · 4.125%
HK$36,067
baseline
▲ 0.50% · 4.625%
HK$37,968
+HK$1,901/mo
Deposit HK$2.89M · loan HK$6.74M · min. income ≈ HK$72,134/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$333,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,546
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$40,776
−HK$1,250/mo
Today · 4.125%
HK$42,026
baseline
▲ 0.50% · 4.625%
HK$44,583
+HK$2,557/mo
Deposit HK$963K · loan HK$8.67M · min. income ≈ HK$84,052/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$333,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,995
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$45,175
−HK$1,197/mo
Today · 4.125%
HK$46,372
baseline
▲ 0.50% · 4.625%
HK$48,816
+HK$2,444/mo
Deposit HK$963K · loan HK$8.67M · min. income ≈ HK$92,744/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$333,495 · 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).