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$21,957
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$22,640
−HK$694/mo
Today · 4.125%
HK$23,334
baseline
▲ 0.50% · 4.625%
HK$24,754
+HK$1,420/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$46,668/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$332,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,427
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$25,082
−HK$665/mo
Today · 4.125%
HK$25,747
baseline
▲ 0.50% · 4.625%
HK$27,104
+HK$1,357/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$51,494/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$332,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,348
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$27,168
−HK$833/mo
Today · 4.125%
HK$28,001
baseline
▲ 0.50% · 4.625%
HK$29,705
+HK$1,704/mo
Deposit HK$3.85M · loan HK$5.78M · min. income ≈ HK$56,002/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$332,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,312
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$30,099
−HK$797/mo
Today · 4.125%
HK$30,896
baseline
▲ 0.50% · 4.625%
HK$32,525
+HK$1,629/mo
Deposit HK$3.85M · loan HK$5.78M · min. income ≈ HK$61,792/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$332,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,740
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$31,696
−HK$972/mo
Today · 4.125%
HK$32,668
baseline
▲ 0.50% · 4.625%
HK$34,655
+HK$1,987/mo
Deposit HK$2.89M · loan HK$6.74M · min. income ≈ HK$65,336/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$332,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,198
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$35,115
−HK$930/mo
Today · 4.125%
HK$36,045
baseline
▲ 0.50% · 4.625%
HK$37,945
+HK$1,900/mo
Deposit HK$2.89M · loan HK$6.74M · min. income ≈ HK$72,090/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$332,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,523
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$40,752
−HK$1,249/mo
Today · 4.125%
HK$42,001
baseline
▲ 0.50% · 4.625%
HK$44,557
+HK$2,556/mo
Deposit HK$963K · loan HK$8.67M · min. income ≈ HK$84,002/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$332,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,969
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$45,148
−HK$1,196/mo
Today · 4.125%
HK$46,344
baseline
▲ 0.50% · 4.625%
HK$48,787
+HK$2,443/mo
Deposit HK$963K · loan HK$8.67M · min. income ≈ HK$92,688/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$332,921 · 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).