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$21,948
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$22,631
−HK$693/mo
Today · 4.125%
HK$23,324
baseline
▲ 0.50% · 4.625%
HK$24,744
+HK$1,420/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$46,648/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$332,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,417
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$25,072
−HK$664/mo
Today · 4.125%
HK$25,736
baseline
▲ 0.50% · 4.625%
HK$27,093
+HK$1,357/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$51,472/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$332,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,338
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$27,157
−HK$832/mo
Today · 4.125%
HK$27,989
baseline
▲ 0.50% · 4.625%
HK$29,692
+HK$1,703/mo
Deposit HK$3.85M · loan HK$5.78M · min. income ≈ HK$55,978/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$332,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,300
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$30,086
−HK$797/mo
Today · 4.125%
HK$30,883
baseline
▲ 0.50% · 4.625%
HK$32,511
+HK$1,628/mo
Deposit HK$3.85M · loan HK$5.78M · min. income ≈ HK$61,766/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$332,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,727
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$31,683
−HK$971/mo
Today · 4.125%
HK$32,654
baseline
▲ 0.50% · 4.625%
HK$34,641
+HK$1,987/mo
Deposit HK$2.89M · loan HK$6.74M · min. income ≈ HK$65,308/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$332,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,184
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$35,100
−HK$930/mo
Today · 4.125%
HK$36,030
baseline
▲ 0.50% · 4.625%
HK$37,930
+HK$1,900/mo
Deposit HK$2.89M · loan HK$6.74M · min. income ≈ HK$72,060/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$332,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,506
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$40,735
−HK$1,249/mo
Today · 4.125%
HK$41,984
baseline
▲ 0.50% · 4.625%
HK$44,538
+HK$2,554/mo
Deposit HK$963K · loan HK$8.66M · min. income ≈ HK$83,968/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$332,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,950
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$45,129
−HK$1,196/mo
Today · 4.125%
HK$46,325
baseline
▲ 0.50% · 4.625%
HK$48,767
+HK$2,442/mo
Deposit HK$963K · loan HK$8.66M · min. income ≈ HK$92,650/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$332,521 · 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).