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$21,920
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$22,602
−HK$693/mo
Today · 4.125%
HK$23,295
baseline
▲ 0.50% · 4.625%
HK$24,712
+HK$1,417/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$46,590/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$331,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,386
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$25,040
−HK$664/mo
Today · 4.125%
HK$25,704
baseline
▲ 0.50% · 4.625%
HK$27,059
+HK$1,355/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$51,408/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$331,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,304
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$27,123
−HK$831/mo
Today · 4.125%
HK$27,954
baseline
▲ 0.50% · 4.625%
HK$29,655
+HK$1,701/mo
Deposit HK$3.85M · loan HK$5.77M · min. income ≈ HK$55,908/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$331,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,263
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$30,048
−HK$797/mo
Today · 4.125%
HK$30,845
baseline
▲ 0.50% · 4.625%
HK$32,470
+HK$1,625/mo
Deposit HK$3.85M · loan HK$5.77M · min. income ≈ HK$61,690/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$331,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,689
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$31,643
−HK$970/mo
Today · 4.125%
HK$32,613
baseline
▲ 0.50% · 4.625%
HK$34,597
+HK$1,984/mo
Deposit HK$2.88M · loan HK$6.73M · min. income ≈ HK$65,226/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$331,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,141
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$35,056
−HK$929/mo
Today · 4.125%
HK$35,985
baseline
▲ 0.50% · 4.625%
HK$37,882
+HK$1,897/mo
Deposit HK$2.88M · loan HK$6.73M · min. income ≈ HK$71,970/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$331,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,457
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$40,684
−HK$1,247/mo
Today · 4.125%
HK$41,931
baseline
▲ 0.50% · 4.625%
HK$44,482
+HK$2,551/mo
Deposit HK$961K · loan HK$8.65M · min. income ≈ HK$83,862/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$331,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,895
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$45,072
−HK$1,195/mo
Today · 4.125%
HK$46,267
baseline
▲ 0.50% · 4.625%
HK$48,706
+HK$2,439/mo
Deposit HK$961K · loan HK$8.65M · min. income ≈ HK$92,534/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$331,314 · 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).