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$22,002
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$22,686
−HK$695/mo
Today · 4.125%
HK$23,381
baseline
▲ 0.50% · 4.625%
HK$24,804
+HK$1,423/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$46,762/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$334,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,477
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$25,133
−HK$666/mo
Today · 4.125%
HK$25,799
baseline
▲ 0.50% · 4.625%
HK$27,159
+HK$1,360/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$51,598/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$334,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,402
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$27,223
−HK$835/mo
Today · 4.125%
HK$28,058
baseline
▲ 0.50% · 4.625%
HK$29,765
+HK$1,707/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$56,116/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$334,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,372
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$30,160
−HK$799/mo
Today · 4.125%
HK$30,959
baseline
▲ 0.50% · 4.625%
HK$32,591
+HK$1,632/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$61,918/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$334,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,802
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$31,760
−HK$974/mo
Today · 4.125%
HK$32,734
baseline
▲ 0.50% · 4.625%
HK$34,726
+HK$1,992/mo
Deposit HK$2.89M · loan HK$6.75M · min. income ≈ HK$65,468/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$334,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,267
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$35,186
−HK$933/mo
Today · 4.125%
HK$36,119
baseline
▲ 0.50% · 4.625%
HK$38,023
+HK$1,904/mo
Deposit HK$2.89M · loan HK$6.75M · min. income ≈ HK$72,238/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$334,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,603
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$40,835
−HK$1,251/mo
Today · 4.125%
HK$42,086
baseline
▲ 0.50% · 4.625%
HK$44,647
+HK$2,561/mo
Deposit HK$965K · loan HK$8.68M · min. income ≈ HK$84,172/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$334,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,058
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$45,240
−HK$1,198/mo
Today · 4.125%
HK$46,438
baseline
▲ 0.50% · 4.625%
HK$48,886
+HK$2,448/mo
Deposit HK$965K · loan HK$8.68M · min. income ≈ HK$92,876/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$334,878 · 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).