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$21,922
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$22,604
−HK$692/mo
Today · 4.125%
HK$23,296
baseline
▲ 0.50% · 4.625%
HK$24,714
+HK$1,418/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$46,592/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$331,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,388
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$25,042
−HK$663/mo
Today · 4.125%
HK$25,705
baseline
▲ 0.50% · 4.625%
HK$27,060
+HK$1,355/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$51,410/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$331,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,306
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$27,124
−HK$832/mo
Today · 4.125%
HK$27,956
baseline
▲ 0.50% · 4.625%
HK$29,657
+HK$1,701/mo
Deposit HK$3.85M · loan HK$5.77M · min. income ≈ HK$55,912/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$331,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,265
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$30,050
−HK$796/mo
Today · 4.125%
HK$30,846
baseline
▲ 0.50% · 4.625%
HK$32,472
+HK$1,626/mo
Deposit HK$3.85M · loan HK$5.77M · min. income ≈ HK$61,692/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$331,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,690
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$31,645
−HK$970/mo
Today · 4.125%
HK$32,615
baseline
▲ 0.50% · 4.625%
HK$34,599
+HK$1,984/mo
Deposit HK$2.88M · loan HK$6.73M · min. income ≈ HK$65,230/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$331,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,143
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$35,058
−HK$929/mo
Today · 4.125%
HK$35,987
baseline
▲ 0.50% · 4.625%
HK$37,884
+HK$1,897/mo
Deposit HK$2.88M · loan HK$6.73M · min. income ≈ HK$71,974/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$331,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,459
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$40,686
−HK$1,247/mo
Today · 4.125%
HK$41,933
baseline
▲ 0.50% · 4.625%
HK$44,485
+HK$2,552/mo
Deposit HK$961K · loan HK$8.65M · min. income ≈ HK$83,866/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$331,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,898
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$45,075
−HK$1,194/mo
Today · 4.125%
HK$46,269
baseline
▲ 0.50% · 4.625%
HK$48,708
+HK$2,439/mo
Deposit HK$961K · loan HK$8.65M · min. income ≈ HK$92,538/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$331,369 · 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).