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$21,937
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$22,620
−HK$693/mo
Today · 4.125%
HK$23,313
baseline
▲ 0.50% · 4.625%
HK$24,731
+HK$1,418/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$46,626/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$332,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,405
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$25,059
−HK$664/mo
Today · 4.125%
HK$25,723
baseline
▲ 0.50% · 4.625%
HK$27,079
+HK$1,356/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$51,446/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$332,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,325
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$27,143
−HK$832/mo
Today · 4.125%
HK$27,975
baseline
▲ 0.50% · 4.625%
HK$29,678
+HK$1,703/mo
Deposit HK$3.85M · loan HK$5.77M · min. income ≈ HK$55,950/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$332,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,286
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$30,071
−HK$797/mo
Today · 4.125%
HK$30,868
baseline
▲ 0.50% · 4.625%
HK$32,495
+HK$1,627/mo
Deposit HK$3.85M · loan HK$5.77M · min. income ≈ HK$61,736/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$332,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,712
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$31,667
−HK$971/mo
Today · 4.125%
HK$32,638
baseline
▲ 0.50% · 4.625%
HK$34,624
+HK$1,986/mo
Deposit HK$2.89M · loan HK$6.73M · min. income ≈ HK$65,276/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$332,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,167
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$35,083
−HK$930/mo
Today · 4.125%
HK$36,013
baseline
▲ 0.50% · 4.625%
HK$37,911
+HK$1,898/mo
Deposit HK$2.89M · loan HK$6.73M · min. income ≈ HK$72,026/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$332,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,487
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$40,715
−HK$1,248/mo
Today · 4.125%
HK$41,963
baseline
▲ 0.50% · 4.625%
HK$44,516
+HK$2,553/mo
Deposit HK$962K · loan HK$8.66M · min. income ≈ HK$83,926/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$332,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,929
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$45,107
−HK$1,195/mo
Today · 4.125%
HK$46,302
baseline
▲ 0.50% · 4.625%
HK$48,743
+HK$2,441/mo
Deposit HK$962K · loan HK$8.66M · min. income ≈ HK$92,604/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$332,049 · 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).