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$21,918
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$22,599
−HK$693/mo
Today · 4.125%
HK$23,292
baseline
▲ 0.50% · 4.625%
HK$24,709
+HK$1,417/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$46,584/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$331,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,383
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$25,037
−HK$663/mo
Today · 4.125%
HK$25,700
baseline
▲ 0.50% · 4.625%
HK$27,055
+HK$1,355/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$51,400/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$331,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,301
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$27,119
−HK$831/mo
Today · 4.125%
HK$27,950
baseline
▲ 0.50% · 4.625%
HK$29,651
+HK$1,701/mo
Deposit HK$3.84M · loan HK$5.77M · min. income ≈ HK$55,900/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$331,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,260
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$30,044
−HK$796/mo
Today · 4.125%
HK$30,840
baseline
▲ 0.50% · 4.625%
HK$32,466
+HK$1,626/mo
Deposit HK$3.84M · loan HK$5.77M · min. income ≈ HK$61,680/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$331,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,685
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$31,639
−HK$970/mo
Today · 4.125%
HK$32,609
baseline
▲ 0.50% · 4.625%
HK$34,593
+HK$1,984/mo
Deposit HK$2.88M · loan HK$6.73M · min. income ≈ HK$65,218/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$331,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,136
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$35,052
−HK$928/mo
Today · 4.125%
HK$35,980
baseline
▲ 0.50% · 4.625%
HK$37,877
+HK$1,897/mo
Deposit HK$2.88M · loan HK$6.73M · min. income ≈ HK$71,960/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$331,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,452
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$40,679
−HK$1,246/mo
Today · 4.125%
HK$41,925
baseline
▲ 0.50% · 4.625%
HK$44,477
+HK$2,552/mo
Deposit HK$961K · loan HK$8.65M · min. income ≈ HK$83,850/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$331,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,889
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$45,067
−HK$1,194/mo
Today · 4.125%
HK$46,261
baseline
▲ 0.50% · 4.625%
HK$48,699
+HK$2,438/mo
Deposit HK$961K · loan HK$8.65M · min. income ≈ HK$92,522/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$331,186 · 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).