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$22,000
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$22,684
−HK$696/mo
Today · 4.125%
HK$23,380
baseline
▲ 0.50% · 4.625%
HK$24,802
+HK$1,422/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$46,760/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$334,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,475
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$25,131
−HK$666/mo
Today · 4.125%
HK$25,797
baseline
▲ 0.50% · 4.625%
HK$27,157
+HK$1,360/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$51,594/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$334,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,400
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$27,221
−HK$835/mo
Today · 4.125%
HK$28,056
baseline
▲ 0.50% · 4.625%
HK$29,763
+HK$1,707/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$56,112/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$334,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,370
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$30,158
−HK$799/mo
Today · 4.125%
HK$30,957
baseline
▲ 0.50% · 4.625%
HK$32,588
+HK$1,631/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$61,914/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$334,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,800
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$31,758
−HK$974/mo
Today · 4.125%
HK$32,732
baseline
▲ 0.50% · 4.625%
HK$34,723
+HK$1,991/mo
Deposit HK$2.89M · loan HK$6.75M · min. income ≈ HK$65,464/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$334,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,265
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$35,184
−HK$932/mo
Today · 4.125%
HK$36,116
baseline
▲ 0.50% · 4.625%
HK$38,020
+HK$1,904/mo
Deposit HK$2.89M · loan HK$6.75M · min. income ≈ HK$72,232/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$334,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,600
−HK$2,484/mo
▼ 0.25% · 3.875%
HK$40,832
−HK$1,252/mo
Today · 4.125%
HK$42,084
baseline
▲ 0.50% · 4.625%
HK$44,644
+HK$2,560/mo
Deposit HK$965K · loan HK$8.68M · min. income ≈ HK$84,168/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$334,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,055
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$45,236
−HK$1,199/mo
Today · 4.125%
HK$46,435
baseline
▲ 0.50% · 4.625%
HK$48,883
+HK$2,448/mo
Deposit HK$965K · loan HK$8.68M · min. income ≈ HK$92,870/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$334,811 · 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).