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$21,940
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$22,622
−HK$693/mo
Today · 4.125%
HK$23,315
baseline
▲ 0.50% · 4.625%
HK$24,734
+HK$1,419/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$46,630/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$332,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,408
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$25,062
−HK$664/mo
Today · 4.125%
HK$25,726
baseline
▲ 0.50% · 4.625%
HK$27,082
+HK$1,356/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$51,452/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$332,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,328
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$27,146
−HK$833/mo
Today · 4.125%
HK$27,979
baseline
▲ 0.50% · 4.625%
HK$29,681
+HK$1,702/mo
Deposit HK$3.85M · loan HK$5.77M · min. income ≈ HK$55,958/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$332,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,289
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$30,075
−HK$797/mo
Today · 4.125%
HK$30,872
baseline
▲ 0.50% · 4.625%
HK$32,499
+HK$1,627/mo
Deposit HK$3.85M · loan HK$5.77M · min. income ≈ HK$61,744/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$332,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,715
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$31,671
−HK$971/mo
Today · 4.125%
HK$32,642
baseline
▲ 0.50% · 4.625%
HK$34,628
+HK$1,986/mo
Deposit HK$2.89M · loan HK$6.74M · min. income ≈ HK$65,284/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$332,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,171
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$35,087
−HK$930/mo
Today · 4.125%
HK$36,017
baseline
▲ 0.50% · 4.625%
HK$37,915
+HK$1,898/mo
Deposit HK$2.89M · loan HK$6.74M · min. income ≈ HK$72,034/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$332,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,491
−HK$2,477/mo
▼ 0.25% · 3.875%
HK$40,720
−HK$1,248/mo
Today · 4.125%
HK$41,968
baseline
▲ 0.50% · 4.625%
HK$44,521
+HK$2,553/mo
Deposit HK$962K · loan HK$8.66M · min. income ≈ HK$83,936/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$332,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,934
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$45,112
−HK$1,195/mo
Today · 4.125%
HK$46,307
baseline
▲ 0.50% · 4.625%
HK$48,748
+HK$2,441/mo
Deposit HK$962K · loan HK$8.66M · min. income ≈ HK$92,614/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$332,156 · 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).