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$21,937
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$22,619
−HK$693/mo
Today · 4.125%
HK$23,312
baseline
▲ 0.50% · 4.625%
HK$24,731
+HK$1,419/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$46,624/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$332,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,404
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$25,059
−HK$664/mo
Today · 4.125%
HK$25,723
baseline
▲ 0.50% · 4.625%
HK$27,079
+HK$1,356/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$51,446/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$332,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,324
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$27,143
−HK$832/mo
Today · 4.125%
HK$27,975
baseline
▲ 0.50% · 4.625%
HK$29,677
+HK$1,702/mo
Deposit HK$3.85M · loan HK$5.77M · min. income ≈ HK$55,950/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$332,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,285
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$30,070
−HK$797/mo
Today · 4.125%
HK$30,867
baseline
▲ 0.50% · 4.625%
HK$32,494
+HK$1,627/mo
Deposit HK$3.85M · loan HK$5.77M · min. income ≈ HK$61,734/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$332,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,711
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$31,666
−HK$971/mo
Today · 4.125%
HK$32,637
baseline
▲ 0.50% · 4.625%
HK$34,623
+HK$1,986/mo
Deposit HK$2.89M · loan HK$6.73M · min. income ≈ HK$65,274/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$332,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,166
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$35,082
−HK$930/mo
Today · 4.125%
HK$36,012
baseline
▲ 0.50% · 4.625%
HK$37,910
+HK$1,898/mo
Deposit HK$2.89M · loan HK$6.73M · min. income ≈ HK$72,024/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$332,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,486
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$40,714
−HK$1,248/mo
Today · 4.125%
HK$41,962
baseline
▲ 0.50% · 4.625%
HK$44,515
+HK$2,553/mo
Deposit HK$962K · loan HK$8.66M · min. income ≈ HK$83,924/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$332,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,928
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$45,106
−HK$1,195/mo
Today · 4.125%
HK$46,301
baseline
▲ 0.50% · 4.625%
HK$48,741
+HK$2,440/mo
Deposit HK$962K · loan HK$8.66M · min. income ≈ HK$92,602/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$332,021 · 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).