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$21,992
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$22,677
−HK$695/mo
Today · 4.125%
HK$23,372
baseline
▲ 0.50% · 4.625%
HK$24,794
+HK$1,422/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$46,744/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$334,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,466
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$25,123
−HK$665/mo
Today · 4.125%
HK$25,788
baseline
▲ 0.50% · 4.625%
HK$27,148
+HK$1,360/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$51,576/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$334,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,391
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$27,212
−HK$834/mo
Today · 4.125%
HK$28,046
baseline
▲ 0.50% · 4.625%
HK$29,752
+HK$1,706/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$56,092/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$334,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,360
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$30,147
−HK$799/mo
Today · 4.125%
HK$30,946
baseline
▲ 0.50% · 4.625%
HK$32,577
+HK$1,631/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$61,892/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$334,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,789
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$31,747
−HK$973/mo
Today · 4.125%
HK$32,720
baseline
▲ 0.50% · 4.625%
HK$34,711
+HK$1,991/mo
Deposit HK$2.89M · loan HK$6.75M · min. income ≈ HK$65,440/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$334,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,253
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$35,172
−HK$931/mo
Today · 4.125%
HK$36,103
baseline
▲ 0.50% · 4.625%
HK$38,007
+HK$1,904/mo
Deposit HK$2.89M · loan HK$6.75M · min. income ≈ HK$72,206/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$334,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,586
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$40,818
−HK$1,251/mo
Today · 4.125%
HK$42,069
baseline
▲ 0.50% · 4.625%
HK$44,629
+HK$2,560/mo
Deposit HK$964K · loan HK$8.68M · min. income ≈ HK$84,138/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$334,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,039
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$45,221
−HK$1,198/mo
Today · 4.125%
HK$46,419
baseline
▲ 0.50% · 4.625%
HK$48,866
+HK$2,447/mo
Deposit HK$964K · loan HK$8.68M · min. income ≈ HK$92,838/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$334,472 · 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).