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$21,998
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$22,683
−HK$695/mo
Today · 4.125%
HK$23,378
baseline
▲ 0.50% · 4.625%
HK$24,800
+HK$1,422/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$46,756/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$334,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,473
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$25,129
−HK$666/mo
Today · 4.125%
HK$25,795
baseline
▲ 0.50% · 4.625%
HK$27,155
+HK$1,360/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$51,590/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$334,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,398
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$27,219
−HK$834/mo
Today · 4.125%
HK$28,053
baseline
▲ 0.50% · 4.625%
HK$29,760
+HK$1,707/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$56,106/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$334,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,368
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$30,155
−HK$799/mo
Today · 4.125%
HK$30,954
baseline
▲ 0.50% · 4.625%
HK$32,586
+HK$1,632/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$61,908/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$334,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,798
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$31,756
−HK$973/mo
Today · 4.125%
HK$32,729
baseline
▲ 0.50% · 4.625%
HK$34,721
+HK$1,992/mo
Deposit HK$2.89M · loan HK$6.75M · min. income ≈ HK$65,458/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$334,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,262
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$35,181
−HK$932/mo
Today · 4.125%
HK$36,113
baseline
▲ 0.50% · 4.625%
HK$38,017
+HK$1,904/mo
Deposit HK$2.89M · loan HK$6.75M · min. income ≈ HK$72,226/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$334,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,597
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$40,829
−HK$1,251/mo
Today · 4.125%
HK$42,080
baseline
▲ 0.50% · 4.625%
HK$44,641
+HK$2,561/mo
Deposit HK$965K · loan HK$8.68M · min. income ≈ HK$84,160/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$334,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,051
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$45,233
−HK$1,198/mo
Today · 4.125%
HK$46,431
baseline
▲ 0.50% · 4.625%
HK$48,879
+HK$2,448/mo
Deposit HK$965K · loan HK$8.68M · min. income ≈ HK$92,862/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$334,735 · 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).