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$21,933
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$22,615
−HK$693/mo
Today · 4.125%
HK$23,308
baseline
▲ 0.50% · 4.625%
HK$24,726
+HK$1,418/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$46,616/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$331,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,400
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$25,054
−HK$664/mo
Today · 4.125%
HK$25,718
baseline
▲ 0.50% · 4.625%
HK$27,074
+HK$1,356/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$51,436/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$331,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,319
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$27,138
−HK$832/mo
Today · 4.125%
HK$27,970
baseline
▲ 0.50% · 4.625%
HK$29,672
+HK$1,702/mo
Deposit HK$3.85M · loan HK$5.77M · min. income ≈ HK$55,940/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$331,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,280
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$30,065
−HK$797/mo
Today · 4.125%
HK$30,862
baseline
▲ 0.50% · 4.625%
HK$32,489
+HK$1,627/mo
Deposit HK$3.85M · loan HK$5.77M · min. income ≈ HK$61,724/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$331,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,706
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$31,661
−HK$970/mo
Today · 4.125%
HK$32,631
baseline
▲ 0.50% · 4.625%
HK$34,617
+HK$1,986/mo
Deposit HK$2.89M · loan HK$6.73M · min. income ≈ HK$65,262/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$331,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,160
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$35,076
−HK$930/mo
Today · 4.125%
HK$36,006
baseline
▲ 0.50% · 4.625%
HK$37,903
+HK$1,897/mo
Deposit HK$2.89M · loan HK$6.73M · min. income ≈ HK$72,012/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$331,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,479
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$40,707
−HK$1,248/mo
Today · 4.125%
HK$41,955
baseline
▲ 0.50% · 4.625%
HK$44,508
+HK$2,553/mo
Deposit HK$962K · loan HK$8.66M · min. income ≈ HK$83,910/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$331,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,920
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$45,098
−HK$1,195/mo
Today · 4.125%
HK$46,293
baseline
▲ 0.50% · 4.625%
HK$48,733
+HK$2,440/mo
Deposit HK$962K · loan HK$8.66M · min. income ≈ HK$92,586/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$331,857 · 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).