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$21,996
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$22,680
−HK$695/mo
Today · 4.125%
HK$23,375
baseline
▲ 0.50% · 4.625%
HK$24,797
+HK$1,422/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$46,750/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$334,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,470
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$25,126
−HK$666/mo
Today · 4.125%
HK$25,792
baseline
▲ 0.50% · 4.625%
HK$27,152
+HK$1,360/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$51,584/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$334,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,395
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$27,216
−HK$834/mo
Today · 4.125%
HK$28,050
baseline
▲ 0.50% · 4.625%
HK$29,757
+HK$1,707/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$56,100/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$334,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,364
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$30,152
−HK$799/mo
Today · 4.125%
HK$30,951
baseline
▲ 0.50% · 4.625%
HK$32,582
+HK$1,631/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$61,902/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$334,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,794
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$31,752
−HK$973/mo
Today · 4.125%
HK$32,725
baseline
▲ 0.50% · 4.625%
HK$34,716
+HK$1,991/mo
Deposit HK$2.89M · loan HK$6.75M · min. income ≈ HK$65,450/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$334,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,258
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$35,177
−HK$932/mo
Today · 4.125%
HK$36,109
baseline
▲ 0.50% · 4.625%
HK$38,012
+HK$1,903/mo
Deposit HK$2.89M · loan HK$6.75M · min. income ≈ HK$72,218/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$334,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,592
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$40,824
−HK$1,251/mo
Today · 4.125%
HK$42,075
baseline
▲ 0.50% · 4.625%
HK$44,635
+HK$2,560/mo
Deposit HK$965K · loan HK$8.68M · min. income ≈ HK$84,150/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$334,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,046
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$45,227
−HK$1,199/mo
Today · 4.125%
HK$46,426
baseline
▲ 0.50% · 4.625%
HK$48,873
+HK$2,447/mo
Deposit HK$965K · loan HK$8.68M · min. income ≈ HK$92,852/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$334,619 · 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).