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$21,915
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$22,596
−HK$693/mo
Today · 4.125%
HK$23,289
baseline
▲ 0.50% · 4.625%
HK$24,706
+HK$1,417/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$46,578/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$331,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,380
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$25,034
−HK$663/mo
Today · 4.125%
HK$25,697
baseline
▲ 0.50% · 4.625%
HK$27,052
+HK$1,355/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$51,394/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$331,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,298
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$27,116
−HK$831/mo
Today · 4.125%
HK$27,947
baseline
▲ 0.50% · 4.625%
HK$29,647
+HK$1,700/mo
Deposit HK$3.84M · loan HK$5.77M · min. income ≈ HK$55,894/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$331,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,256
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$30,040
−HK$796/mo
Today · 4.125%
HK$30,836
baseline
▲ 0.50% · 4.625%
HK$32,462
+HK$1,626/mo
Deposit HK$3.84M · loan HK$5.77M · min. income ≈ HK$61,672/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$331,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,681
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$31,635
−HK$969/mo
Today · 4.125%
HK$32,604
baseline
▲ 0.50% · 4.625%
HK$34,588
+HK$1,984/mo
Deposit HK$2.88M · loan HK$6.73M · min. income ≈ HK$65,208/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$331,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,132
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$35,047
−HK$929/mo
Today · 4.125%
HK$35,976
baseline
▲ 0.50% · 4.625%
HK$37,872
+HK$1,896/mo
Deposit HK$2.88M · loan HK$6.73M · min. income ≈ HK$71,952/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$331,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,446
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$40,673
−HK$1,247/mo
Today · 4.125%
HK$41,920
baseline
▲ 0.50% · 4.625%
HK$44,471
+HK$2,551/mo
Deposit HK$961K · loan HK$8.65M · min. income ≈ HK$83,840/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$331,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,884
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$45,061
−HK$1,194/mo
Today · 4.125%
HK$46,255
baseline
▲ 0.50% · 4.625%
HK$48,693
+HK$2,438/mo
Deposit HK$961K · loan HK$8.65M · min. income ≈ HK$92,510/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$331,062 · 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).