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$21,987
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$22,671
−HK$694/mo
Today · 4.125%
HK$23,365
baseline
▲ 0.50% · 4.625%
HK$24,787
+HK$1,422/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$46,730/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$334,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,460
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$25,116
−HK$665/mo
Today · 4.125%
HK$25,781
baseline
▲ 0.50% · 4.625%
HK$27,140
+HK$1,359/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$51,562/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$334,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,384
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$27,205
−HK$833/mo
Today · 4.125%
HK$28,038
baseline
▲ 0.50% · 4.625%
HK$29,744
+HK$1,706/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$56,076/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$334,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,352
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$30,139
−HK$799/mo
Today · 4.125%
HK$30,938
baseline
▲ 0.50% · 4.625%
HK$32,568
+HK$1,630/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$61,876/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$334,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,781
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$31,739
−HK$972/mo
Today · 4.125%
HK$32,711
baseline
▲ 0.50% · 4.625%
HK$34,702
+HK$1,991/mo
Deposit HK$2.89M · loan HK$6.75M · min. income ≈ HK$65,422/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$334,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,244
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$35,162
−HK$932/mo
Today · 4.125%
HK$36,094
baseline
▲ 0.50% · 4.625%
HK$37,996
+HK$1,902/mo
Deposit HK$2.89M · loan HK$6.75M · min. income ≈ HK$72,188/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$334,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,576
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$40,807
−HK$1,251/mo
Today · 4.125%
HK$42,058
baseline
▲ 0.50% · 4.625%
HK$44,617
+HK$2,559/mo
Deposit HK$964K · loan HK$8.68M · min. income ≈ HK$84,116/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$334,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,028
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$45,209
−HK$1,197/mo
Today · 4.125%
HK$46,406
baseline
▲ 0.50% · 4.625%
HK$48,853
+HK$2,447/mo
Deposit HK$964K · loan HK$8.68M · min. income ≈ HK$92,812/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$334,216 · 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).