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$21,991
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$22,675
−HK$695/mo
Today · 4.125%
HK$23,370
baseline
▲ 0.50% · 4.625%
HK$24,792
+HK$1,422/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$46,740/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$334,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,465
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$25,121
−HK$666/mo
Today · 4.125%
HK$25,787
baseline
▲ 0.50% · 4.625%
HK$27,146
+HK$1,359/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$51,574/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$334,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,389
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$27,210
−HK$834/mo
Today · 4.125%
HK$28,044
baseline
▲ 0.50% · 4.625%
HK$29,751
+HK$1,707/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$56,088/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$334,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,358
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$30,145
−HK$799/mo
Today · 4.125%
HK$30,944
baseline
▲ 0.50% · 4.625%
HK$32,575
+HK$1,631/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$61,888/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$334,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,788
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$31,745
−HK$973/mo
Today · 4.125%
HK$32,718
baseline
▲ 0.50% · 4.625%
HK$34,709
+HK$1,991/mo
Deposit HK$2.89M · loan HK$6.75M · min. income ≈ HK$65,436/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$334,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,251
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$35,170
−HK$931/mo
Today · 4.125%
HK$36,101
baseline
▲ 0.50% · 4.625%
HK$38,004
+HK$1,903/mo
Deposit HK$2.89M · loan HK$6.75M · min. income ≈ HK$72,202/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$334,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,584
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$40,815
−HK$1,251/mo
Today · 4.125%
HK$42,066
baseline
▲ 0.50% · 4.625%
HK$44,626
+HK$2,560/mo
Deposit HK$964K · loan HK$8.68M · min. income ≈ HK$84,132/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$334,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,037
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$45,218
−HK$1,198/mo
Today · 4.125%
HK$46,416
baseline
▲ 0.50% · 4.625%
HK$48,863
+HK$2,447/mo
Deposit HK$964K · loan HK$8.68M · min. income ≈ HK$92,832/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$334,417 · 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).