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$21,975
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$22,658
−HK$695/mo
Today · 4.125%
HK$23,353
baseline
▲ 0.50% · 4.625%
HK$24,774
+HK$1,421/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$46,706/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$333,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,447
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$25,102
−HK$665/mo
Today · 4.125%
HK$25,767
baseline
▲ 0.50% · 4.625%
HK$27,126
+HK$1,359/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$51,534/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$333,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,370
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$27,190
−HK$833/mo
Today · 4.125%
HK$28,023
baseline
▲ 0.50% · 4.625%
HK$29,728
+HK$1,705/mo
Deposit HK$3.85M · loan HK$5.78M · min. income ≈ HK$56,046/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$333,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,336
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$30,123
−HK$798/mo
Today · 4.125%
HK$30,921
baseline
▲ 0.50% · 4.625%
HK$32,551
+HK$1,630/mo
Deposit HK$3.85M · loan HK$5.78M · min. income ≈ HK$61,842/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$333,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,765
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$31,722
−HK$972/mo
Today · 4.125%
HK$32,694
baseline
▲ 0.50% · 4.625%
HK$34,683
+HK$1,989/mo
Deposit HK$2.89M · loan HK$6.75M · min. income ≈ HK$65,388/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$333,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,225
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$35,143
−HK$931/mo
Today · 4.125%
HK$36,074
baseline
▲ 0.50% · 4.625%
HK$37,976
+HK$1,902/mo
Deposit HK$2.89M · loan HK$6.75M · min. income ≈ HK$72,148/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$333,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,555
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$40,785
−HK$1,250/mo
Today · 4.125%
HK$42,035
baseline
▲ 0.50% · 4.625%
HK$44,593
+HK$2,558/mo
Deposit HK$964K · loan HK$8.67M · min. income ≈ HK$84,070/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$333,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,004
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$45,184
−HK$1,197/mo
Today · 4.125%
HK$46,381
baseline
▲ 0.50% · 4.625%
HK$48,826
+HK$2,445/mo
Deposit HK$964K · loan HK$8.67M · min. income ≈ HK$92,762/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$333,698 · 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).