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$21,959
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$22,642
−HK$694/mo
Today · 4.125%
HK$23,336
baseline
▲ 0.50% · 4.625%
HK$24,756
+HK$1,420/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$46,672/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$332,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,429
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$25,084
−HK$665/mo
Today · 4.125%
HK$25,749
baseline
▲ 0.50% · 4.625%
HK$27,106
+HK$1,357/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$51,498/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$332,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,350
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$27,170
−HK$833/mo
Today · 4.125%
HK$28,003
baseline
▲ 0.50% · 4.625%
HK$29,707
+HK$1,704/mo
Deposit HK$3.85M · loan HK$5.78M · min. income ≈ HK$56,006/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$332,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,315
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$30,101
−HK$797/mo
Today · 4.125%
HK$30,898
baseline
▲ 0.50% · 4.625%
HK$32,527
+HK$1,629/mo
Deposit HK$3.85M · loan HK$5.78M · min. income ≈ HK$61,796/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$332,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,742
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$31,698
−HK$972/mo
Today · 4.125%
HK$32,670
baseline
▲ 0.50% · 4.625%
HK$34,658
+HK$1,988/mo
Deposit HK$2.89M · loan HK$6.74M · min. income ≈ HK$65,340/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$332,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,200
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$35,118
−HK$930/mo
Today · 4.125%
HK$36,048
baseline
▲ 0.50% · 4.625%
HK$37,948
+HK$1,900/mo
Deposit HK$2.89M · loan HK$6.74M · min. income ≈ HK$72,096/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$332,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,526
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$40,755
−HK$1,249/mo
Today · 4.125%
HK$42,004
baseline
▲ 0.50% · 4.625%
HK$44,560
+HK$2,556/mo
Deposit HK$963K · loan HK$8.67M · min. income ≈ HK$84,008/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$332,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,972
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$45,151
−HK$1,197/mo
Today · 4.125%
HK$46,348
baseline
▲ 0.50% · 4.625%
HK$48,791
+HK$2,443/mo
Deposit HK$963K · loan HK$8.67M · min. income ≈ HK$92,696/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$332,992 · 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).