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$21,993
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$22,677
−HK$695/mo
Today · 4.125%
HK$23,372
baseline
▲ 0.50% · 4.625%
HK$24,795
+HK$1,423/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$334,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,467
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$25,123
−HK$666/mo
Today · 4.125%
HK$25,789
baseline
▲ 0.50% · 4.625%
HK$27,148
+HK$1,359/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$51,578/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$334,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,392
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$27,213
−HK$834/mo
Today · 4.125%
HK$28,047
baseline
▲ 0.50% · 4.625%
HK$29,753
+HK$1,706/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$56,094/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$334,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,361
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$30,148
−HK$799/mo
Today · 4.125%
HK$30,947
baseline
▲ 0.50% · 4.625%
HK$32,578
+HK$1,631/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$61,894/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$334,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,790
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$31,748
−HK$973/mo
Today · 4.125%
HK$32,721
baseline
▲ 0.50% · 4.625%
HK$34,712
+HK$1,991/mo
Deposit HK$2.89M · loan HK$6.75M · min. income ≈ HK$65,442/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$334,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,254
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$35,173
−HK$932/mo
Today · 4.125%
HK$36,105
baseline
▲ 0.50% · 4.625%
HK$38,008
+HK$1,903/mo
Deposit HK$2.89M · loan HK$6.75M · min. income ≈ HK$72,210/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$334,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,588
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$40,819
−HK$1,251/mo
Today · 4.125%
HK$42,070
baseline
▲ 0.50% · 4.625%
HK$44,630
+HK$2,560/mo
Deposit HK$965K · loan HK$8.68M · min. income ≈ HK$84,140/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$334,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,041
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$45,222
−HK$1,198/mo
Today · 4.125%
HK$46,420
baseline
▲ 0.50% · 4.625%
HK$48,867
+HK$2,447/mo
Deposit HK$965K · loan HK$8.68M · min. income ≈ HK$92,840/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$334,506 · 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).