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$21,962
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$22,645
−HK$694/mo
Today · 4.125%
HK$23,339
baseline
▲ 0.50% · 4.625%
HK$24,759
+HK$1,420/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$46,678/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$333,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,433
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$25,088
−HK$665/mo
Today · 4.125%
HK$25,753
baseline
▲ 0.50% · 4.625%
HK$27,110
+HK$1,357/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$51,506/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$333,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,355
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$27,174
−HK$833/mo
Today · 4.125%
HK$28,007
baseline
▲ 0.50% · 4.625%
HK$29,711
+HK$1,704/mo
Deposit HK$3.85M · loan HK$5.78M · min. income ≈ HK$56,014/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$333,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,319
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$30,105
−HK$798/mo
Today · 4.125%
HK$30,903
baseline
▲ 0.50% · 4.625%
HK$32,532
+HK$1,629/mo
Deposit HK$3.85M · loan HK$5.78M · min. income ≈ HK$61,806/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$333,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,747
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$31,703
−HK$972/mo
Today · 4.125%
HK$32,675
baseline
▲ 0.50% · 4.625%
HK$34,663
+HK$1,988/mo
Deposit HK$2.89M · loan HK$6.74M · min. income ≈ HK$65,350/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$333,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,206
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$35,123
−HK$931/mo
Today · 4.125%
HK$36,054
baseline
▲ 0.50% · 4.625%
HK$37,954
+HK$1,900/mo
Deposit HK$2.89M · loan HK$6.74M · min. income ≈ HK$72,108/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$333,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,532
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$40,761
−HK$1,250/mo
Today · 4.125%
HK$42,011
baseline
▲ 0.50% · 4.625%
HK$44,567
+HK$2,556/mo
Deposit HK$963K · loan HK$8.67M · min. income ≈ HK$84,022/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$333,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,979
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$45,158
−HK$1,197/mo
Today · 4.125%
HK$46,355
baseline
▲ 0.50% · 4.625%
HK$48,798
+HK$2,443/mo
Deposit HK$963K · loan HK$8.67M · min. income ≈ HK$92,710/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$333,142 · 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).