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$21,931
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$22,613
−HK$693/mo
Today · 4.125%
HK$23,306
baseline
▲ 0.50% · 4.625%
HK$24,724
+HK$1,418/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$46,612/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$331,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,398
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$25,052
−HK$664/mo
Today · 4.125%
HK$25,716
baseline
▲ 0.50% · 4.625%
HK$27,071
+HK$1,355/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$51,432/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$331,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,317
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$27,135
−HK$832/mo
Today · 4.125%
HK$27,967
baseline
▲ 0.50% · 4.625%
HK$29,669
+HK$1,702/mo
Deposit HK$3.85M · loan HK$5.77M · min. income ≈ HK$55,934/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$331,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,277
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$30,062
−HK$797/mo
Today · 4.125%
HK$30,859
baseline
▲ 0.50% · 4.625%
HK$32,485
+HK$1,626/mo
Deposit HK$3.85M · loan HK$5.77M · min. income ≈ HK$61,718/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$331,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,703
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$31,658
−HK$970/mo
Today · 4.125%
HK$32,628
baseline
▲ 0.50% · 4.625%
HK$34,614
+HK$1,986/mo
Deposit HK$2.89M · loan HK$6.73M · min. income ≈ HK$65,256/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$331,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,157
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$35,073
−HK$929/mo
Today · 4.125%
HK$36,002
baseline
▲ 0.50% · 4.625%
HK$37,900
+HK$1,898/mo
Deposit HK$2.89M · loan HK$6.73M · min. income ≈ HK$72,004/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$331,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,475
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$40,703
−HK$1,248/mo
Today · 4.125%
HK$41,951
baseline
▲ 0.50% · 4.625%
HK$44,503
+HK$2,552/mo
Deposit HK$962K · loan HK$8.66M · min. income ≈ HK$83,902/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$331,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,916
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$45,093
−HK$1,195/mo
Today · 4.125%
HK$46,288
baseline
▲ 0.50% · 4.625%
HK$48,728
+HK$2,440/mo
Deposit HK$962K · loan HK$8.66M · min. income ≈ HK$92,576/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$331,760 · 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).