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$21,929
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$22,611
−HK$693/mo
Today · 4.125%
HK$23,304
baseline
▲ 0.50% · 4.625%
HK$24,722
+HK$1,418/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$46,608/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$331,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,396
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$25,050
−HK$664/mo
Today · 4.125%
HK$25,714
baseline
▲ 0.50% · 4.625%
HK$27,069
+HK$1,355/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$51,428/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$331,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,315
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$27,134
−HK$831/mo
Today · 4.125%
HK$27,965
baseline
▲ 0.50% · 4.625%
HK$29,667
+HK$1,702/mo
Deposit HK$3.85M · loan HK$5.77M · min. income ≈ HK$55,930/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$331,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,275
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$30,060
−HK$797/mo
Today · 4.125%
HK$30,857
baseline
▲ 0.50% · 4.625%
HK$32,483
+HK$1,626/mo
Deposit HK$3.85M · loan HK$5.77M · min. income ≈ HK$61,714/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$331,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,701
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$31,656
−HK$970/mo
Today · 4.125%
HK$32,626
baseline
▲ 0.50% · 4.625%
HK$34,611
+HK$1,985/mo
Deposit HK$2.89M · loan HK$6.73M · min. income ≈ HK$65,252/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$331,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,154
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$35,070
−HK$930/mo
Today · 4.125%
HK$36,000
baseline
▲ 0.50% · 4.625%
HK$37,897
+HK$1,897/mo
Deposit HK$2.89M · loan HK$6.73M · min. income ≈ HK$72,000/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$331,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,473
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$40,700
−HK$1,248/mo
Today · 4.125%
HK$41,948
baseline
▲ 0.50% · 4.625%
HK$44,500
+HK$2,552/mo
Deposit HK$962K · loan HK$8.66M · min. income ≈ HK$83,896/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$331,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,913
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$45,090
−HK$1,195/mo
Today · 4.125%
HK$46,285
baseline
▲ 0.50% · 4.625%
HK$48,725
+HK$2,440/mo
Deposit HK$962K · loan HK$8.66M · min. income ≈ HK$92,570/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$331,698 · 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).