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$21,997
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$22,682
−HK$695/mo
Today · 4.125%
HK$23,377
baseline
▲ 0.50% · 4.625%
HK$24,799
+HK$1,422/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$46,754/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$334,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,472
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$25,128
−HK$666/mo
Today · 4.125%
HK$25,794
baseline
▲ 0.50% · 4.625%
HK$27,154
+HK$1,360/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$51,588/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$334,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,397
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$27,218
−HK$834/mo
Today · 4.125%
HK$28,052
baseline
▲ 0.50% · 4.625%
HK$29,759
+HK$1,707/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$56,104/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$334,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,366
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$30,154
−HK$799/mo
Today · 4.125%
HK$30,953
baseline
▲ 0.50% · 4.625%
HK$32,584
+HK$1,631/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$61,906/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$334,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,796
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$31,754
−HK$974/mo
Today · 4.125%
HK$32,728
baseline
▲ 0.50% · 4.625%
HK$34,719
+HK$1,991/mo
Deposit HK$2.89M · loan HK$6.75M · min. income ≈ HK$65,456/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$334,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,261
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$35,180
−HK$932/mo
Today · 4.125%
HK$36,112
baseline
▲ 0.50% · 4.625%
HK$38,015
+HK$1,903/mo
Deposit HK$2.89M · loan HK$6.75M · min. income ≈ HK$72,224/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$334,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,595
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$40,827
−HK$1,251/mo
Today · 4.125%
HK$42,078
baseline
▲ 0.50% · 4.625%
HK$44,639
+HK$2,561/mo
Deposit HK$965K · loan HK$8.68M · min. income ≈ HK$84,156/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$334,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,050
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$45,231
−HK$1,198/mo
Today · 4.125%
HK$46,429
baseline
▲ 0.50% · 4.625%
HK$48,877
+HK$2,448/mo
Deposit HK$965K · loan HK$8.68M · min. income ≈ HK$92,858/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$334,693 · 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).