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$21,928
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$22,610
−HK$693/mo
Today · 4.125%
HK$23,303
baseline
▲ 0.50% · 4.625%
HK$24,721
+HK$1,418/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$46,606/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$331,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,395
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$25,049
−HK$664/mo
Today · 4.125%
HK$25,713
baseline
▲ 0.50% · 4.625%
HK$27,068
+HK$1,355/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$51,426/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$331,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,314
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$27,132
−HK$832/mo
Today · 4.125%
HK$27,964
baseline
▲ 0.50% · 4.625%
HK$29,666
+HK$1,702/mo
Deposit HK$3.85M · loan HK$5.77M · min. income ≈ HK$55,928/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$331,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,274
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$30,059
−HK$797/mo
Today · 4.125%
HK$30,856
baseline
▲ 0.50% · 4.625%
HK$32,482
+HK$1,626/mo
Deposit HK$3.85M · loan HK$5.77M · min. income ≈ HK$61,712/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$331,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,700
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$31,655
−HK$970/mo
Today · 4.125%
HK$32,625
baseline
▲ 0.50% · 4.625%
HK$34,610
+HK$1,985/mo
Deposit HK$2.88M · loan HK$6.73M · min. income ≈ HK$65,250/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$331,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,153
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$35,069
−HK$929/mo
Today · 4.125%
HK$35,998
baseline
▲ 0.50% · 4.625%
HK$37,896
+HK$1,898/mo
Deposit HK$2.88M · loan HK$6.73M · min. income ≈ HK$71,996/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$331,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,471
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$40,699
−HK$1,247/mo
Today · 4.125%
HK$41,946
baseline
▲ 0.50% · 4.625%
HK$44,498
+HK$2,552/mo
Deposit HK$962K · loan HK$8.65M · min. income ≈ HK$83,892/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$331,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,911
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$45,089
−HK$1,194/mo
Today · 4.125%
HK$46,283
baseline
▲ 0.50% · 4.625%
HK$48,723
+HK$2,440/mo
Deposit HK$962K · loan HK$8.65M · min. income ≈ HK$92,566/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$331,660 · 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).